Stellar Bancorp, Inc.
STELNYSEFinancial Services● Active
$37.64
+$0.05(+0.13%)
Market Cap$1.9B
P/E Ratio—
52W High$40.21
52W Low$26.3
Stellar Bancorp, Inc. (STEL) Earnings: Dates, EPS & Revenue History
Quarterly EPS vs. estimates, revenue surprises, next earnings date, and analyst consensus.
STEL · earnings · updated Jun 8, 2026
Latest Earnings
Q2 FY2026Report Date: Apr 28, 2026EPS Actual
$0.58
Est. $0.50 · +16.0%
Revenue
$0.11B
Est. $0.11B · +2.4%
Fiscal Period
Q2 FY2026
FY ends December
Report Date
Apr 28, 2026
After Market Close
▲ Beat EPS▲ Beat Revenue✓ 1-Quarter EPS Beat Streak
STEL reports quarterly as a NYSE-listed Banks - Regional company. Fiscal year ends in December. Data: FMP · Updated hourly.
Next Earnings Date
Days Away
85
days
Expected Date
Sep 1, 2026
Fiscal Period
Q3 FY2026
Release Time
◌ Time TBD (Unconfirmed)EPS Est.
$0.21
Rev. $0.66B
Days Away85
Expected DateSep 1, 2026
Fiscal PeriodQ3 FY2026
Release TimeTime TBD (Unconfirmed)
EPS Est.$0.21
Rev. Est.$0.66B
EPS & Revenue vs. Estimates
Actual (Beat)
Actual (Miss)
Estimated
Earnings History
| Period | Report Date | EPS Est. | EPS Actual | EPS Surpr. | Revenue | Rev. Est. | Rev. Surpr. |
|---|---|---|---|---|---|---|---|
| ◌ Q3 FY2026 | Jul 24, 2026 | $0.52 | — | — | — | $0.11B | — |
| ▲ Q2 FY2026 | Apr 28, 2026 | $0.50 | $0.58 | +16.0% | $0.11B | $0.11B | +2.4% |
| — Q1 FY2026 | Jan 28, 2026 | $0.51 | $0.51 | -0.8% | $0.11B | $0.11B | +0.9% |
| ▲ Q4 FY2025 | Oct 24, 2025 | $0.49 | $0.50 | +1.2% | $0.11B | $0.11B | -0.3% |
| ▲ Q3 FY2025 | Jul 25, 2025 | $0.45 | $0.51 | +13.3% | $0.10B | $0.11B | -2.8% |
| ▲ Q2 FY2025 | Apr 25, 2025 | $0.44 | $0.46 | +4.5% | $0.10B | $0.11B | -0.4% |
| ▲ Q1 FY2025 | Jan 30, 2025 | $0.48 | $0.52 | +8.3% | $0.11B | $0.11B | +0.5% |
| ▲ Q4 FY2024 | Oct 25, 2024 | $0.48 | $0.63 | +31.3% | $0.11B | $0.11B | +1.4% |
Q3 FY2026
Jul 24, 2026
EPS Actual
—
EPS Est.
$0.52
EPS Surpr.
—
Revenue
—
Q2 FY2026
Apr 28, 2026Beat
EPS Actual
$0.58
EPS Est.
$0.50
EPS Surpr.
+16.0%
Revenue
$0.11B
Q1 FY2026
Jan 28, 2026
EPS Actual
$0.51
EPS Est.
$0.51
EPS Surpr.
-0.8%
Revenue
$0.11B
Q4 FY2025
Oct 24, 2025Beat
EPS Actual
$0.50
EPS Est.
$0.49
EPS Surpr.
+1.2%
Revenue
$0.11B
Q3 FY2025
Jul 25, 2025Beat
EPS Actual
$0.51
EPS Est.
$0.45
EPS Surpr.
+13.3%
Revenue
$0.10B
Q2 FY2025
Apr 25, 2025Beat
EPS Actual
$0.46
EPS Est.
$0.44
EPS Surpr.
+4.5%
Revenue
$0.10B
Q1 FY2025
Jan 30, 2025Beat
EPS Actual
$0.52
EPS Est.
$0.48
EPS Surpr.
+8.3%
Revenue
$0.11B
Q4 FY2024
Oct 25, 2024Beat
EPS Actual
$0.63
EPS Est.
$0.48
EPS Surpr.
+31.3%
Revenue
$0.11B
Analyst Estimates
Limited analyst coverage (fewer than 3 analysts). Estimates may not reflect market consensus.
EPS Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2027 | $0.62 | $0.62 | $0.62 | 1 |
| Q3 FY2027 | $0.62 | $0.62 | $0.62 | 1 |
| Q2 FY2027 | $0.60 | $0.60 | $0.60 | 1 |
| Q1 FY2027 | $0.55 | $0.55 | $0.55 | 1 |
| Q4 FY2026 | $0.58 | $0.58 | $0.58 | 1 |
| Q3 FY2026 | $0.57 | $0.57 | $0.57 | 1 |
Revenue Estimates
| Period | Low | Consensus | High | # Analysts |
|---|---|---|---|---|
| Q4 FY2027 | $0.1B | $0.1B | $0.1B | 1 |
| Q3 FY2027 | $0.1B | $0.1B | $0.1B | 1 |
| Q2 FY2027 | $0.1B | $0.1B | $0.1B | 1 |
| Q1 FY2027 | $0.1B | $0.1B | $0.1B | 1 |
| Q4 FY2026 | $0.1B | $0.1B | $0.1B | 1 |
| Q3 FY2026 | $0.1B | $0.1B | $0.1B | 1 |
Earnings Price Reaction
Closing price one trading day before vs. one trading day after each earnings release.
| Period | Report Date | EPS Beat/Miss | Price Before | Price After | 1D Reaction |
|---|---|---|---|---|---|
| ▲ Q2 FY2026 | Apr 28, 2026 | +16.0% | $37.56 | $37.59 | +0.08% |
| ▲ Q1 FY2026 | Jan 28, 2026 | -0.8% | $32.63 | $36.42 | +11.62% |
| ▲ Q4 FY2025 | Oct 24, 2025 | +1.2% | $29.46 | $29.81 | +1.19% |
| ▲ Q3 FY2025 | Jul 25, 2025 | +13.3% | $31.53 | $31.39 | -0.44% |
| ▲ Q2 FY2025 | Apr 25, 2025 | +4.5% | $27.00 | $25.87 | -4.19% |
| ▲ Q1 FY2025 | Jan 30, 2025 | +8.3% | $28.62 | $28.68 | +0.21% |
| ▲ Q4 FY2024 | Oct 25, 2024 | +31.3% | $26.24 | $26.36 | +0.46% |
| ▲ Q3 FY2024 | Jul 26, 2024 | +16.7% | $27.52 | $27.93 | +1.49% |
Q2 FY2026+0.08%
Report Date
Apr 28, 2026
EPS Beat/Miss
+16.0%
Price Before
$37.56
Price After
$37.59
Q1 FY2026+11.62%
Report Date
Jan 28, 2026
EPS Beat/Miss
-0.8%
Price Before
$32.63
Price After
$36.42
Q4 FY2025+1.19%
Report Date
Oct 24, 2025
EPS Beat/Miss
+1.2%
Price Before
$29.46
Price After
$29.81
Q3 FY2025-0.44%
Report Date
Jul 25, 2025
EPS Beat/Miss
+13.3%
Price Before
$31.53
Price After
$31.39
Q2 FY2025-4.19%
Report Date
Apr 25, 2025
EPS Beat/Miss
+4.5%
Price Before
$27.00
Price After
$25.87
Q1 FY2025+0.21%
Report Date
Jan 30, 2025
EPS Beat/Miss
+8.3%
Price Before
$28.62
Price After
$28.68
Q4 FY2024+0.46%
Report Date
Oct 25, 2024
EPS Beat/Miss
+31.3%
Price Before
$26.24
Price After
$26.36
Q3 FY2024+1.49%
Report Date
Jul 26, 2024
EPS Beat/Miss
+16.7%
Price Before
$27.52
Price After
$27.93
Avg Beat Reaction+1.30%
Beat Rate8 / 8 quarters
Largest Move+11.62% (Q1 FY2026)
Data: FMP /historical-price-eod/full · field: close
About Earnings & Data Methodology
Data source: Financial Modeling Prep (FMP) | Updated: Hourly | Surprise%: (Actual − Estimate) / |Estimate| × 100 | Fiscal year: STEL ends December
Stellar Bancorp, Inc. (STEL) most recently reported earnings on April 28, 2026 for Q2 FY2026, posting EPS of $0.58 — beating the analyst consensus of $0.50 by +16.0%. The next STEL earnings date is expected around September 1, 2026.
Each quarter, investors track STEL earnings for signals on forward guidance and business momentum. For longer-term revenue trends, see the Revenue tab. STEL revenue tab →
Earnings Glossary
EPS (Earnings Per Share)
Net income ÷ diluted shares outstanding. The primary metric analysts use to gauge quarterly profitability.
Earnings Surprise %
(Actual − Estimate) / |Estimate| × 100. Positive = Beat. Negative = Miss.
Beat / Miss / In-Line
Beat = Actual ≥ Estimate. Miss = Actual < Estimate. In-Line = within ±1%.
BMO / AMC
Before Market Open / After Market Close. Two windows when companies typically release results.
Fiscal Quarter
STEL's fiscal year ends in December. Fiscal quarters may not align with calendar quarters.
Analyst Consensus
Average EPS/Revenue forecast across all covering analysts. More analysts = more reliable estimate.
Figures tie to FMP earnings calendar, estimates, and SEC 10-Q/10-K filings where noted.
Frequently asked questions
STEL earnings · 5 questionsStellar Bancorp, Inc.'s next earnings report is expected around September 1, 2026. STEL typically reports quarterly — approximately every three months. The exact date is confirmed by the company 2–4 weeks before the release. Time is currently TBD; STEL historically reports after market close (AMC).
STEL earnings datewhen is STEL earningsSTEL next earnings datewhen does STEL report earningsSTEL earnings calendar
▸ Source: FMP · Stellar Bancorp, Inc. SEC filings · US GAAP · Stellar Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Updated: Jun 8, 2026