Stellar Bancorp, Stock Z Score

STEL Stock

USD 30.87 0.62 1.97%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Stellar Bancorp, Piotroski F Score and Stellar Bancorp, Valuation analysis.

For more information on how to buy Stellar Stock please use our How to buy in Stellar Stock guide.

Change In Working Capital is expected to rise to about 19.1 M this year, although the value of Net Invested Capital will most likely fall to about 1 B. At this time, Stellar Bancorp,'s Operating Income is quite stable compared to the past year. EBIT is expected to rise to about 170 M this year, although the value of Selling And Marketing Expenses will most likely fall to about 2 M.

Stellar Bancorp, Company Z Score Analysis

Stellar Bancorp,'s Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Stellar Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Stellar Bancorp, is extremely important. It helps to project a fair market value of Stellar Stock properly, considering its historical fundamentals such as Z Score. Since Stellar Bancorp,'s main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Stellar Bancorp,'s historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Stellar Bancorp,'s interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Good Will	Total Liab	Total Current Assets	Intangible Assets	Common Stock	Short Term Debt	Short Term Investments	Net Tangible Assets	Accounts Payable	Long Term Debt	Net Invested Capital	Long Term Investments	Capital Stock	Property Plant Equipment	Current Deferred Revenue	Net Receivables	Capital Surpluse	Treasury Stock	Long Term Debt Total
Total Assets		0.87	0.37	0.88	0.88	0.79	0.93	0.9	0.99	0.93	0.92	0.97	-0.78	0.82	0.99	0.98	0.98	0.97	0.46	0.88	0.97	0.64	-0.41
Total Stockholder Equity	0.87		0.43	0.83	0.98	0.88	0.78	0.96	0.88	0.82	0.97	0.89	-0.82	0.97	0.91	0.86	0.9	0.88	0.75	0.98	0.92	0.77	-0.78
Net Debt	0.37	0.43		0.14	0.51	0.63	0.09	0.53	0.47	0.29	0.39	0.24	0.01	0.32	0.44	0.43	0.51	0.34	0.32	0.51	0.5	0.35	-0.34
Retained Earnings	0.88	0.83	0.14		0.75	0.56	0.81	0.73	0.86	0.78	0.8	0.92	-0.72	0.86	0.87	0.78	0.81	0.94	0.55	0.75	0.82	0.68	-0.46
Good Will	0.88	0.98	0.51	0.75		0.95	0.79	0.99	0.9	0.84	0.98	0.87	-0.81	0.93	0.92	0.9	0.93	0.86	0.72	1.0	0.95	0.75	-0.76
Total Liab	0.79	0.88	0.63	0.56	0.95		0.68	0.96	0.84	0.78	0.89	0.76	-0.73	0.77	0.85	0.86	0.89	0.73	0.66	0.95	0.9	0.7	-0.7
Total Current Assets	0.93	0.78	0.09	0.81	0.79	0.68		0.82	0.89	0.92	0.88	0.9	-0.86	0.73	0.89	0.93	0.87	0.87	0.29	0.79	0.85	0.43	-0.29
Intangible Assets	0.9	0.96	0.53	0.73	0.99	0.96	0.82		0.91	0.87	0.98	0.86	-0.8	0.89	0.93	0.93	0.95	0.86	0.63	0.99	0.95	0.68	-0.68
Common Stock	0.99	0.88	0.47	0.86	0.9	0.84	0.89	0.91		0.92	0.92	0.95	-0.75	0.82	0.99	0.98	0.99	0.96	0.5	0.9	0.98	0.67	-0.44
Short Term Debt	0.93	0.82	0.29	0.78	0.84	0.78	0.92	0.87	0.92		0.88	0.91	-0.83	0.76	0.93	0.94	0.93	0.89	0.44	0.85	0.91	0.6	-0.4
Short Term Investments	0.92	0.97	0.39	0.8	0.98	0.89	0.88	0.98	0.92	0.88		0.9	-0.85	0.92	0.94	0.94	0.94	0.9	0.6	0.98	0.94	0.65	-0.65
Net Tangible Assets	0.97	0.89	0.24	0.92	0.87	0.76	0.9	0.86	0.95	0.91	0.9		-0.83	0.87	0.97	0.92	0.94	0.97	0.6	0.87	0.95	0.76	-0.51
Accounts Payable	-0.78	-0.82	0.01	-0.72	-0.81	-0.73	-0.86	-0.8	-0.75	-0.83	-0.85	-0.83		-0.8	-0.78	-0.79	-0.76	-0.73	-0.57	-0.81	-0.78	-0.61	0.6
Long Term Debt	0.82	0.97	0.32	0.86	0.93	0.77	0.73	0.89	0.82	0.76	0.92	0.87	-0.8		0.87	0.78	0.83	0.88	0.79	0.92	0.86	0.8	-0.81
Net Invested Capital	0.99	0.91	0.44	0.87	0.92	0.85	0.89	0.93	0.99	0.93	0.94	0.97	-0.78	0.87		0.97	0.99	0.98	0.57	0.93	0.99	0.73	-0.52
Long Term Investments	0.98	0.86	0.43	0.78	0.9	0.86	0.93	0.93	0.98	0.94	0.94	0.92	-0.79	0.78	0.97		0.98	0.92	0.41	0.91	0.96	0.56	-0.41
Capital Stock	0.98	0.9	0.51	0.81	0.93	0.89	0.87	0.95	0.99	0.93	0.94	0.94	-0.76	0.83	0.99	0.98		0.94	0.55	0.94	0.99	0.7	-0.51
Property Plant Equipment	0.97	0.88	0.34	0.94	0.86	0.73	0.87	0.86	0.96	0.89	0.9	0.97	-0.73	0.88	0.98	0.92	0.94		0.55	0.86	0.95	0.71	-0.47
Current Deferred Revenue	0.46	0.75	0.32	0.55	0.72	0.66	0.29	0.63	0.5	0.44	0.6	0.6	-0.57	0.79	0.57	0.41	0.55	0.55		0.7	0.63	0.94	-0.94
Net Receivables	0.88	0.98	0.51	0.75	1.0	0.95	0.79	0.99	0.9	0.85	0.98	0.87	-0.81	0.92	0.93	0.91	0.94	0.86	0.7		0.95	0.74	-0.74
Capital Surpluse	0.97	0.92	0.5	0.82	0.95	0.9	0.85	0.95	0.98	0.91	0.94	0.95	-0.78	0.86	0.99	0.96	0.99	0.95	0.63	0.95		0.77	-0.58
Treasury Stock	0.64	0.77	0.35	0.68	0.75	0.7	0.43	0.68	0.67	0.6	0.65	0.76	-0.61	0.8	0.73	0.56	0.7	0.71	0.94	0.74	0.77		-0.8
Long Term Debt Total	-0.41	-0.78	-0.34	-0.46	-0.76	-0.7	-0.29	-0.68	-0.44	-0.4	-0.65	-0.51	0.6	-0.81	-0.52	-0.41	-0.51	-0.47	-0.94	-0.74	-0.58	-0.8

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Stellar Bancorp,

Based on the company's disclosures, Stellar Bancorp, has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Stellar Bancorp, ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Stellar Bancorp,'s sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Stellar Bancorp,'s managers, analysts, and investors.

Environmental

Governance

Social

Stellar Bancorp, Institutional Holders

Institutional Holdings refers to the ownership stake in Stellar Bancorp, that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Stellar Bancorp,'s outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Stellar Bancorp,'s value.

		Shares
Charles Schwab Investment Management Inc	2024-09-30	429.4 K
Bank Of New York Mellon Corp	2024-09-30	402.7 K
Goldman Sachs Group Inc	2024-09-30	347.7 K
Hightower Advisors, Llc	2024-09-30	287.1 K
Millennium Management Llc	2024-09-30	284 K
Bridgeway Capital Management, Llc	2024-09-30	243.3 K
Focus Wealth Advisors Llc	2024-09-30	240.4 K
Principal Financial Group Inc	2024-09-30	224.9 K
Mercer Global Advisors Inc.	2024-09-30	201.6 K
Blackrock Inc	2024-06-30	7.6 M
Vanguard Group Inc	2024-09-30	3.3 M

Stellar Fundamentals

	Return On Equity	0.0758
	Return On Asset	0.011
	Profit Margin	0.27 %
	Operating Margin	0.45 %
	Current Valuation	1.32 B
	Shares Outstanding	53.4 M
	Shares Owned By Insiders	9.95 %
	Shares Owned By Institutions	56.14 %
	Number Of Shares Shorted	829.64 K
	Price To Earning	18.84 X
	Price To Book	1.01 X
	Price To Sales	3.83 X
	Revenue	461.32 M
	Gross Profit	258.6 M
	EBITDA	196.35 M
	Net Income	130.5 M
	Cash And Equivalents	292.84 M
	Cash Per Share	14.67 X
	Total Debt	159.76 M
	Debt To Equity	6.00 %
	Book Value Per Share	30.43 X
	Cash Flow From Operations	168.22 M
	Short Ratio	2.15 X
	Earnings Per Share	2.19 X
	Price To Earnings To Growth	4.74 X
	Target Price	28.8
	Number Of Employees	1.04 K
	Beta	0.82
	Market Capitalization	1.68 B
	Total Asset	10.65 B
	Retained Earnings	405.94 M
	Annual Yield	0.02 %
	Net Asset	10.65 B
	Last Dividend Paid	0.52

About Stellar Bancorp, Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Stellar Bancorp,'s financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Stellar Bancorp, using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Stellar Bancorp, based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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When determining whether Stellar Bancorp, is a strong investment it is important to analyze Stellar Bancorp,'s competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Stellar Bancorp,'s future performance. For an informed investment choice regarding Stellar Stock, refer to the following important reports:

How To Invest In Stellar

Details

Is Stellar Stock a good investment?

Details

What is Stellar Bancorp,'s Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Stellar Bancorp, Piotroski F Score and Stellar Bancorp, Valuation analysis.

For more information on how to buy Stellar Stock please use our How to buy in Stellar Stock guide.

You can also try the Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Stellar Bancorp,. If investors know Stellar will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Stellar Bancorp, listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.087

Dividend Share

0.52

Earnings Share

2.19

Revenue Per Share

8.209

Quarterly Revenue Growth

0.043

The market value of Stellar Bancorp, is measured differently than its book value, which is the value of Stellar that is recorded on the company's balance sheet. Investors also form their own opinion of Stellar Bancorp,'s value that differs from its market value or its book value, called intrinsic value, which is Stellar Bancorp,'s true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Stellar Bancorp,'s market value can be influenced by many factors that don't directly affect Stellar Bancorp,'s underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Stellar Bancorp,'s value and its price as these two are different measures arrived at by different means. Investors typically determine if Stellar Bancorp, is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Stellar Bancorp,'s price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Stellar Bancorp, Stock Z Score

Stellar Bancorp, Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Stellar Z Score Driver Correlations

Stellar Bancorp, ESG Sustainability

Stellar Bancorp, Institutional Holders

Stellar Fundamentals

About Stellar Bancorp, Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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