STEL Stellar Bancorp, Inc.

company

SEC Filings & Insider Trading Activity 2026

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

What are the latest STEL SEC filings in 2026?

Stellar Bancorp, Inc. (STEL) has filed a 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 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did STEL file its most recent 10-K annual report?

Stellar Bancorp, Inc. (STEL) filed its most recent 10-K annual report on February 26, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view STEL 10-Q quarterly reports?

Stellar Bancorp, Inc. (STEL)'s most recent 10-Q quarterly report was filed on April 28, 2026. SignalX displays every STEL 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has STEL filed recently?

Stellar Bancorp, Inc. (STEL)'s most recent 8-K was filed on July 1, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find STEL insider trading activity (Form 4)?

SignalX aggregates every STEL Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does STEL file with the SEC?

Stellar Bancorp, Inc. (STEL) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new STEL filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Stellar Bancorp, Inc. (STEL).

What is STEL's SEC CIK number?

Stellar Bancorp, Inc. (STEL)'s SEC CIK (Central Index Key) number is 1473844. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1473844 to look up all STEL filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find STEL return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Stellar Bancorp, Inc. (STEL) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.