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Compared to Estimates, Stellar Bancorp (STEL) Q1 Earnings: A Look at Key Metrics
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Stellar Bancorp (STEL - Free Report) reported $111.04 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 6%. EPS of $0.58 for the same period compares to $0.46 a year ago.
The reported revenue represents a surprise of +2.35% over the Zacks Consensus Estimate of $108.49 million. With the consensus EPS estimate being $0.50, the EPS surprise was +17.17%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Stellar Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 63.3% compared to the 67.7% average estimate based on two analysts.
Net interest margin (tax equivalent): 4.2% versus the two-analyst average estimate of 4.2%.
Average Balance - Total interest-earning assets: $10.14 billion versus the two-analyst average estimate of $9.95 billion.
Total nonperforming assets: $70.08 million compared to the $59.07 million average estimate based on two analysts.
Net charge-offs (recoveries) to average loans (annualized): 0.1% compared to the 0.1% average estimate based on two analysts.
Net Interest Income (tax equivalent): $106.04 million versus $103.22 million estimated by two analysts on average.
Total Non-Interest Income: $5.11 million versus $5.33 million estimated by two analysts on average.
Shares of Stellar Bancorp have returned +4.3% over the past month versus the Zacks S&P 500 composite's +12.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Compared to Estimates, Stellar Bancorp (STEL) Q1 Earnings: A Look at Key Metrics
Stellar Bancorp (STEL - Free Report) reported $111.04 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 6%. EPS of $0.58 for the same period compares to $0.46 a year ago.
The reported revenue represents a surprise of +2.35% over the Zacks Consensus Estimate of $108.49 million. With the consensus EPS estimate being $0.50, the EPS surprise was +17.17%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Stellar Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Stellar Bancorp here>>>
Shares of Stellar Bancorp have returned +4.3% over the past month versus the Zacks S&P 500 composite's +12.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.