Stellar Bancorp(US:STEL) ZACKS·2026-01-28 16:30Core Insights - Stellar Bancorp reported revenue of $108.89 million for the quarter ended December 2025, marking a year-over-year increase of 0.8% and a surprise of +1.04% over the Zacks Consensus Estimate of $107.77 million [1] - The EPS for the same period was $0.51, slightly down from $0.52 a year ago, with an EPS surprise of -3.17% compared to the consensus estimate of $0.53 [1] Financial Performance Metrics - Efficiency Ratio stood at 61.6%, outperforming the three-analyst average estimate of 66.2% [4] - Net interest margin (tax equivalent) was 4.2%, aligning with the average estimate based on three analysts [4] - Total nonperforming assets reached $60.04 million, exceeding the average estimate of $51.46 million [4] - Total nonperforming loans amounted to $52.55 million, higher than the average estimate of $43.84 million [4] - Average balance of total interest-earning assets was $9.75 billion, slightly above the average estimate of $9.67 billion [4] - Net charge-offs (recoveries) to average loans (annualized) were at 0%, better than the two-analyst average estimate of 0.1% [4] - Total Non-Interest Income was $5.51 million, slightly below the three-analyst average estimate of $5.57 million [4] - Net Interest Income was reported at $103.38 million, surpassing the average estimate of $102.17 million [4] - Net Interest Income (tax equivalent) was $103.49 million, compared to the average estimate of $102.27 million [4] Stock Performance - Shares of Stellar Bancorp have returned +6.3% over the past month, outperforming the Zacks S&P 500 composite's +0.8% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]