Stellar Bancorp, Inc. (STEL) Valuation & Financial Model
Interactive Discounted Cash Flow (DCF) model for Stellar Bancorp, Inc. (US:STEL), trading at 39.31. In 2025, Stellar Bancorp, Inc. generated $596.26 Million in revenue and $92.61 Million in free cash flow. Explore projected intrinsic value assumptions based on institutional-grade macro metrics.
Valuation Methodology & Recent Performance
The financial model for Stellar Bancorp, Inc. is calculated using an institutional discounted cash flow (DCF) engine utilizing recent operational metrics:
- Current Price: 39.31
- Recent Revenue (2025): $596.26 Million
- Free Cash Flow (2025): $92.61 Million
- Discount Rate (WACC): Derived using the Risk-Free Rate (e.g., 10Y Gov Bond) plus an Equity Risk Premium based on market volatility and stock price variance.
- Terminal Value: Projected using a perpetual growth model bounded by long-term macroeconomic estimates.