Profitability
Weight: 25%
D
36
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 67.4%
- Efficiency Ratio Trend +0.51 pp/yr
STEL
Stellar Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D-
30
- 5yr Avg ROE 7.1%
- 5yr Share-Count CAGR 12.2%
Growth Quality
Weight: 15%
B
72
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 19.0%
- Efficiency Ratio Trend (growth quality check) +0.51 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
B
73
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.03
Balance Sheet
Weight: 20%
A+
95
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 15.4%
Stability
Weight: 10%
C+
60
- EPS Volatility (σ/μ) 0.34
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 3 new buys; 1 added.
- Holders
- 4 +3
- Avg Δ position
- +305.5%
- New buys
- 3
- Full exits
- 0