STEL at a glance
Stellar Bancorp, Inc. (STEL, SEC CIK 1473844) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on April 28, 2026, an 8-K current report on July 1, 2026 and Form 4 insider filings as recently as July 1, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Stellar Bancorp, Inc. (STEL) reported revenue of $6.3 million (down 2.3% from FY2024) and net income of $102.9 million. Diluted EPS was $1.99.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding Stellar Bancorp, Inc. (STEL) shares worth $742.5 million in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $6.3M
- −2.3% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 32 funds
- $742.5M · +1 vs prior quarter
- Latest 8-K
- Jul 1, 2026
- Item 3.03 · Item 2.01 · Item 3.01 · Item 5.01 · Item 5.03
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Community banking and financial services with focus on retail and commercial banking
- New $65 million common stock repurchase program authorized in April 2025 through May 2026
- Completed merger with Allegiance Bancshares, Inc. October 2022, forming Stellar Bancorp, Inc. under CBTX
- Repurchased 299,347 shares at $30.44 average price in Q4 2025, shares retired
- Total shareholder return up to $133.67 from $100 invested in 2020 through 2025 per performance graph
Risk Factors
- Merger regulatory risk: requires approvals from Federal Reserve, FDIC, Texas Department of Banking for 2026 Q2 closing
- Macroeconomic risk: exposure to Texas economy sectors, incl. real estate, energy, impacting loan portfolio quality
- Credit loss allowance sensitivity: 5% increase in qualitative risk factors would raise reserves by $2.9 million
- Competitive disruption: pending merger with Prosperity Bancshares may face shareholder dissent or alternative bids
- Financial risk: $78 million termination fee payable if merger not completed by January 27, 2027, unless extended
Management Discussion & Analysis
- Revenue: Net interest income $401.6M, down $6.4M (1.6%) YoY; noninterest income $21.8M, down $1.3M (5.4%) YoY; total net income $102.9M, down $12.1M (10.5%) YoY
- Profitability: Return on average equity 6.34% vs 7.34%; return on average assets 0.97% vs 1.08%; efficiency ratio 62.28% vs 61.53% (all 2025 vs 2024)
- Segment performance: Commercial and industrial loans grew 8.4% to $1.48B (best); commercial real estate loans declined 2.6% to $3.77B (worst)
- Capital allocation: Income tax expense decreased to $24.9M from $30.0M; no specific buyback/dividend/capex amounts disclosed in provided data
- Outlook/risks: Management highlights loan portfolio credit risk due to increased nonperforming loans and provision for credit losses rising to $10.2M from a $2.9M reversal in prior year
AI summary of the STEL 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Mar 31, 2026
Management Discussion & Analysis
- Revenue proxy net interest income $105.9M, up 6.7% from $99.3M YoY
- Net income $27.0M vs $24.7M; annualized ROA 0.98% vs 0.94% YoY
- Net interest margin 4.24% vs 4.20%; efficiency ratio 63.27% vs 61.93%
- Securities strongest contributor, average balance $2.15B vs $1.82B YoY
- Interest expense $39.2M, down 9.1% from $43.1M; merger expected July 1, 2026
Risk Factors
- Risk-factors section not provided; no quarter-specific risk changes identifiable
- Merger risk triggered by January 27, 2026 Agreement and Plan of Merger with Prosperity Bancshares
- Regulatory execution risk from merger-related Voting and Director Support Agreements
- Capital allocation risk from $65 million repurchase authorization through May 31, 2026
- Liquidity risk from 134 thousand shares repurchased during first quarter at $31.06 average price
AI summary of the STEL 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 3.03: Material Modification to Rights of Security Holders
- Item 3.03 cross-references Items 2.01, 3.01, and 5.02 for details on changes affecting security-holder rights
- Investor impact depends on the referenced control, listing, transaction, or leadership changes needing review in the full filing
Item 2.01: Completion of Acquisition or Disposition of Assets
- Stellar completed merger with Prosperity Bancshares on July 1, 2026, creating Prosperity as the surviving corporation
- Stellar Bank merged into Prosperity Bank, consolidating the operating banking subsidiaries
Item 3.01: Notice of Delisting or Failure to Satisfy a Continued Listing Rule
- Stellar common-stock holders’ ownership rights ended at the merger’s effective time
- Former holders retain only the right to receive merger consideration under the Merger Agreement
Item 5.01: Changes in Control of Registrant
- Stellar’s directors and executive officers ceased serving at the merger’s Effective Time
- Former Stellar directors Robert R. Franklin, Jr. and Joseph B. Swinbank joined Prosperity’s board
Item 5.03: Amendments to Articles of Incorporation or Bylaws
- Stellar sold approximately $466.4 million of investment securities during the period ending June 30, 2026
- Portfolio sales included agency MBS, CMBS, collateralized mortgage obligations, municipal securities, and corporate debt
Item 5.07: Submission of Matters to a Vote of Security Holders
- Merger with Prosperity approved overwhelmingly: 39,209,984 votes for versus 59,317 against
- 77.3% shareholder participation, with 39,327,868 shares represented and quorum established
Item 8.01: Other Events
- Quarterly cash dividend of $0.15 per common share declared on May 20, 2026
- Shareholders of record June 15, 2026 eligible for payment on June 26, 2026
AI summaries of STEL 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for STEL
Don't miss the next STEL filing
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- Fund moves. Which tracked funds opened, added or cut STEL, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Jeter Frances H. | D | Jul 1, 2026 | 29,136 | - |
| Dopjera Cynthia A | D | Jul 1, 2026 | 10,895 | - |
| Tombar Tymothi O. | D | Jul 1, 2026 | 4,890 | - |
| Williams John E Jr | D | Jul 1, 2026 | 1,285,316 | - |
| Williams John E Jr | D | Jul 1, 2026 | 500 | - |
| Robertson Fred S. | D | Jul 1, 2026 | 18,084 | - |
| Robertson Fred S. | D | Jul 1, 2026 | 82,377 | - |
| Reaud Reagan A | D | Jul 1, 2026 | 12,763 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $6.1M | $6.4M | $6.3M |
| Net Income | $130.5M | $115.0M | $102.9M |
| Net Margin | 2152.0% | 1788.5% | 1637.6% |
| Balance Sheet | |||
| Total Assets | $10.6B | $10.9B | $10.8B |
| Equity | $1.5B | $1.6B | $1.7B |
| ROE | 8.6% | 7.2% | 6.2% |
| Per Share | |||
| EPS | - | $2.15 | $1.99 |
| Cash Flow | |||
| Operating CF | $168.2M | $132.6M | $97.0M |
| CapEx | $6.9M | $4.7M | $4.4M |
Source: XBRL data in Stellar Bancorp, Inc. (STEL)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate STEL share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $742.5M |
| Q1 2026 | 31 | $700.7M |
| Q4 2025 | 27 | $591.9M |
| Q3 2025 | 27 | $591.0M |
| Q2 2025 | 26 | $518.9M |
| Q1 2025 | 21 | $319.9M |
| Q4 2024 | 18 | $300.0M |
| Q3 2024 | 14 | $164.5M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 196 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
STEL filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| SC 13G | Jul 14, 2026 | - | - | |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 8-K | Jul 1, 2026 | - | Analysis | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jun 22, 2026 | - | - | - |
| 8-K | May 27, 2026 | - | Analysis | |
| 8-K | May 20, 2026 | - | Analysis | |
| 8-K | May 20, 2026 | - | Analysis |
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STEL SEC filings: frequently asked questions
Which institutions hold STEL stock?
As of June 30, 2026, the largest Stellar Bancorp, Inc. (STEL) holders among the 13F filers tracked by SignalX were BlackRock ($249.5 million), Dimensional Fund Advisors ($101.5 million), Vanguard Capital Management LLC ($79.7 million), State Street Corp ($76.6 million), Millennium Management ($55.8 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was STEL's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Stellar Bancorp, Inc. (STEL) reported revenue of $6.3 million (down 2.3% from FY2024) and net income of $102.9 million. Diluted EPS was $1.99. The figures come from the XBRL data in the 10-K.
What are the main risks in STEL's latest 10-K?
In the 10-K filed February 26, 2026, Stellar Bancorp, Inc. (STEL) flagged: Merger regulatory risk: requires approvals from Federal Reserve, FDIC, Texas Department of Banking for 2026 Q2 closing. Macroeconomic risk: exposure to Texas economy sectors, incl. real estate, energy, impacting loan portfolio quality. (AI summary of the Risk Factors section.)
What did STEL report in its latest 8-K?
Stellar Bancorp, Inc. (STEL) filed an 8-K on July 1, 2026 reporting Item 3.03 (Material Modification to Rights of Security Holders), Item 2.01 (Completion of Acquisition or Disposition of Assets), Item 3.01 (Notice of Delisting or Failure to Satisfy a Continued Listing Rule), Item 5.01 (Changes in Control of Registrant) and Item 5.03 (Amendments to Articles of Incorporation or Bylaws). Item 3.03 cross-references Items 2.01, 3.01, and 5.02 for details on changes affecting security-holder rights.
What are the latest STEL SEC filings?
Stellar Bancorp, Inc. (STEL) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on April 28, 2026, an 8-K current report on July 1, 2026 and a Form 4 insider filing on July 1, 2026.
What is STEL's SEC CIK number?
Stellar Bancorp, Inc. (STEL)'s SEC Central Index Key (CIK) is 1473844. EDGAR lists every STEL filing under that number.
Ask anything about STEL
The research agent reads STEL's filings, financials, insider trades and 13F holders, then answers with sources.