STEL 8-K SEC Filing Analysis

Latest settled — T+20d

STEL ▲ 0.00% at T+20d

NEUTRAL call ✗ call lost 0.00% · α vs SPY -5.46% · entry $37.32 → $37.32

Next anchor: T+60d in 6w

Currently $38.87 · +4.15% from $37.32 entry

Entry anchored
Apr 28, 03:59 PM ET
via Databento tick

T+1d

0.00%

call 0.00% · α -1.02%

$37.32

settled 6w ago

T+5d

+0.72%

call +0.72% · α -2.39%

$37.59

settled 6w ago

T+20d

0.00%

call 0.00% · α -5.46%

$37.32

settled 17d ago

T+60d

—

call — · α —

—

in 6w

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Executive Summary

Stellar Bancorp reported Q1 2026 diluted EPS of $0.53, beating the $0.50 consensus by 6%, and total revenue (net interest income + noninterest income) of $111.0M, above the $108.4M estimate. However, asset quality deteriorated: nonperforming assets rose to $70.1M (0.64% of assets) from $60.0M, and net charge-offs increased to $1.4M from $71K. The results are largely overshadowed by the pending merger with Prosperity Bancshares, with a shareholder vote scheduled for May 27, 2026.

Actionable Insight

The earnings beat is positive but secondary to the merger with Prosperity. Focus on the May 27 shareholder vote and closing expected around July 1, 2026. The deterioration in asset quality (NPAs up 17%) may pressure the stock if the merger faces delays.

Key Facts

Diluted EPS $0.53 vs consensus $0.50 (+6.0%)
Total revenue $111.0M vs consensus $108.4M (+2.4%)
Net interest income $105.9M, up 2.5% linked-quarter; NIM expanded to 4.24%
Loans held for investment grew $287.4M (+3.94% linked-quarter, 16.0% annualized)
Nonperforming assets increased to $70.1M (0.64% of total assets) from $60.0M
Net charge-offs $1.4M vs $71K in prior quarter; provision for credit losses $2.5M
Acquisition and merger-related expenses of $3.3M; adjusted EPS $0.58
Pending merger with Prosperity Bancshares; all regulatory approvals received; shareholder vote May 27, 2026

Financial Impact

EPS beat by $0.03, revenue beat by ~$2.6M; asset quality weakening adds uncertainty

epsrevenuenet interest marginnonperforming assetscharge-offs

Risk Factors

Merger not approved by shareholders or delayed
Further asset quality deterioration (NPAs at 0.64%, up from 0.56%)
Integration costs and merger-related expenses burdening near-term earnings

Market Snapshot

Exchange

NYSE

Sector

National Commercial Banks

Analyst Consensus

78% bullish (9 analysts)

Documents Analyzed

This report is based on 6 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0001473844-26-000023
Document: stel-20260428.htm	0001473844-26-000023
Document: 0001473844-26-000023-index-headers.html	0001473844-26-000023
Document: 0001473844-26-000023-index.html	0001473844-26-000023
Document: 0001473844-26-000023.txt	0001473844-26-000023
8-K Data (Synthetic)	0001473844-26-000023

7 reports for STEL

T+1T+5T+20T+60

Filters

Reports for STEL — sortable, filterable
	Type				Now
May 20, 2026 23d ago	425 NEUTRAL ★ 3/10	$37.41 $37.34	▼ −0.19%	▼ −2.04%	$38.87 (+3.90%)
May 20, 2026 23d ago	8-K NEUTRAL ★ 4/10	$37.41 $37.34	▼ −0.19%	▼ −2.04%	$38.87 (+3.90%)
May 19, 2026 24d ago	DEFA14A NEUTRAL ★ 4/10	$37.42 $37.49	▲ +0.19%	▼ −1.62%	$38.87 (+3.87%)
Apr 29, 2026 6w ago	425 NEUTRAL ★ 5/10	$37.32 $37.78	▲ +1.23%	▼ −1.88%	$38.87 (+4.15%)
Apr 28, 2026 6w ago	8-K MIXED ★ 5/10	$37.32 $37.59	▲ +0.72%	▼ −2.39%	$38.87 (+4.15%)
Apr 22, 2026 7w ago	8-K NEUTRAL ★ 5/10	$37.70 $37.73	▲ +0.08%	▲ +0.02%	$38.87 (+3.10%)
Apr 17, 2026 8w ago	10-K/A NEUTRAL ★ 3/10	$37.94 $37.56	▼ −1.00%	▼ −1.91%	$38.87 (+2.45%)

US Market Status

Market Closed — Opens Mon (49h 38m)

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