Three independent discounted-cash-flow-style models value Stellar Bancorp, Inc. every trading day. 2 of 3 currently price STEL above its market price.
| Free Cash Flow model | $85.19 |
| Excess Profit model | $79.26 |
| Residual Earnings model | $5.04 |
| Dividend Discount model | $12.06 |
| Piotroski F-Score | 5 / 8 |
| Return on invested capital | +6.0% |
| Net debt / EBITDA | -2.6× |
| Gross margin | +100.0% |
| Revenue CAGR | — |
| Cash conversion | 1.2× |
| Dividend yield | +1.5% |
| Buyback yield | -0.3% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
Open STEL in StockKitty