STEL
Stellar Bancorp, Inc.
Overview
Stellar Bancorp, Inc is a Financial Services company operating in Banks - Regional with a $1.96B market cap.
Most recent reported earnings: Q2 FY2026 (Jul 30, 2026).
19 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q3 FY2025Earnings2025-10-2411 Q&A exchanges
- Q2 FY2025Earnings2025-07-2513 Q&A exchanges
- Q1 FY2025Earnings2025-04-2511 Q&A exchanges
- Q4 FY2024Earnings2025-02-0126 Q&A exchanges
- Q3 FY2024Earnings2024-10-2521 Q&A exchanges
- Q2 FY2024Earnings2024-07-2618 Q&A exchanges
- Q1 FY2024Earnings2024-04-2612 Q&A exchanges
- Q4 FY2023Earnings2024-01-2631 Q&A exchanges
- Q3 FY2023Earnings2023-10-2728 Q&A exchanges
- Q2 FY2023Earnings2023-07-2927 Q&A exchanges
- Q1 FY2023Earnings2023-04-2826 Q&A exchanges
- Q4 FY2022Earnings2023-01-2726 Q&A exchanges
- Q3 FY2022Earnings2022-10-2822 Q&A exchanges
- Q2 FY2022Earnings2022-07-3013 Q&A exchanges
- Q1 FY2022Earnings2022-04-2917 Q&A exchanges
- Q4 FY2021Earnings2022-01-2811 Q&A exchanges
- Q3 FY2021Earnings2021-10-2914 Q&A exchanges
- Q2 FY2021Earnings2021-07-3113 Q&A exchanges
- Q1 FY2021Earnings2021-05-0116 Q&A exchanges
History
Earnings history
- Q2 FY20262026-07-30EPS— vs $0.51—Rev— vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-30 | — | $0.51 | — | — | — | — | EODHD |
Source: EODHD. STEL reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks STEL's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 10/10 quarters
SampleRepeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 4 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2025 | $4.37 | $4.47 | -2.2% | +5.2% | +6.8% |
| Q4 FY2025 | $4.45 | $4.56 | -2.5% | +9.0% | +7.1% |
| Q3 FY2025 | $4.32 | $4.52 | -4.5% | +4.1% | +2.4% |
| Q2 FY2025 | $3.86 | $4.44 | -13.0% | +5.8% | +3.6% |
| Q1 FY2024 | $4.12 | $4.41 | -6.6% | +2.0% | +1.8% |
| Q4 FY2024 | $3.88 | $4.59 | -15.5% | +4.9% | +7.6% |
| Q3 FY2024 | $3.85 | $4.45 | -13.5% | +5.3% | +3.8% |
| Q2 FY2024 | $3.90 | $4.69 | -16.8% | +6.6% | +4.9% |
| Q1 FY2023 | $3.88 | $4.51 | -13.9% | +2.2% | +1.9% |
| Q4 FY2023 | $4.57 | $4.67 | -2.2% | +2.0% | +0.7% |
Guidance change history
Sample- Q1 FY2025Maintained2025-04-15
- Q4 FY2025Maintained2025-13-15
- Q3 FY2025Lowered2025-10-15
- Q2 FY2025Lowered2025-07-15
- Q1 FY2024Lowered2024-04-15
- Q4 FY2024Lowered2024-13-15
- Q3 FY2024Lowered2024-10-15
- Q2 FY2024Lowered2024-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Robert R Franklin JrCEO8 mo18 callsCurrentSample
CEO since 2025 • 1/2 beats (50%) • last guidance cut Q2 FY2025
- Paul P EggeCFO8 mo14 callsCurrentSample
CFO since 2025 • 1/2 beats (50%) • guidance suspended Q2 FY2025
- III Ramon A VitulliPresident8 mo9 callsCurrentSample
PRESIDENT since 2025 • 1/2 beats (50%) • guidance suspended Q3 FY2025
- Jason D SirkelChief Banking Officer7 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 1/2 beats (50%) • last guidance cut Q3 FY2025
- Joe F WestSenior Executive VP, CCO8 mo8 callsCurrentSample
OTHER_C_SUITE since 2025 • 1/2 beats (50%) • last guidance cut Q1 FY2025
- Steven F RetzloffExecutive Chairman8 mo1 callCurrentSample
OTHER since 2025 • 1/2 beats (50%) • last guidance cut Q2 FY2025
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for STEL.
$ curl https://api.spokenalpha.com/v1/companies/STELFAQ
Frequently asked about STEL
Where can I find Stellar Bancorp, Inc.'s (STEL) earnings call transcripts?
Spoken Alpha indexes STEL's earnings call transcripts at https://spokenalpha.com/companies/STEL. Each call links to attributed speakers and parsed analyst Q&A. Stellar Bancorp, Inc.'s own investor relations page is at https://ir.stellar.bank/overview/default.aspx.
When was Stellar Bancorp, Inc.'s most recent earnings call?
Stellar Bancorp, Inc. (STEL) held its most recent earnings call on 2025-10-24, covering fiscal Q3 2025.
What sector is STEL in?
Stellar Bancorp, Inc. (STEL) operates in the Financial Services sector (Banks - Regional industry).