S STEL

Stellar Bancorp Inc

$36.62

-0.49% ($0.18)

Volume 222,243

52W High $40.21

52W Low $24.13

Market Cap $1.86B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$0.50

Whisper EPS

$0.52

4.2% above consensus

Last Quarter

$0.51

Current Streak

1 Meet

Avg Surprise (4Q)

+1.02%

Next Earnings Report

Reports in 17 days

Report Date Apr 24, 2026

Time BMO

Whisper Spread +4.18%

Consensus Estimate

$0.50

Official analyst average

Whisper Number

$0.52

What traders expect

Bullish Sentiment: The whisper number is 4.2% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 28, 2026

1-Day: +1.26%

5-Day: +2.75%

Q3 2025 Oct 24, 2025

5-Day: -1.61%

Q2 2025 Jul 25, 2025

5-Day: -4.40%

Q1 2025 Apr 25, 2025

5-Day: -3.52%

Revenue & Financial Performance

Revenue Whisper

$184.0M

TWN Proprietary Estimate

Last Quarter Revenue

$149.5M

-3.6% YoY

Gross Margin

69.4%

Net Margin: 17.5%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$149.5M	-3.6%	69.4%	21.1%	$26.1M
Q3'25	$150.4M	-4.9%	70.0%	21.4%	$25.7M
Q2'25	$148.5M	-5.8%	69.4%	22.3%	$26.4M
Q1'25	$147.8M	-4.5%	68.4%	21.0%	$24.7M
Q4'24	$155.1M	-2.5%	69.0%	20.5%	$25.2M
Q3'24	$158.1M	+1.4%	72.0%	27.0%	$33.9M
Q2'24	$157.6M	+3.4%	69.0%	23.8%	$29.8M
Q1'24	$154.7M	+4.6%	67.4%	21.3%	$26.1M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 28, 2026	$0.51	$0.53	$0.51	+0.00%	Missed
Q3 2025	Oct 24, 2025	$0.49	$0.52	$0.50	+2.04%	Missed
Q2 2025	Jul 25, 2025	$0.45	$0.48	$0.51	+13.33%	Beat
Q1 2025	Apr 25, 2025	$0.44	$0.47	$0.46	+4.55%	Missed
Q4 2024	Jan 30, 2025	$0.49	$0.53	$0.52	+6.12%	Missed
Q3 2024	Oct 25, 2024	$0.49	$0.52	$0.63	+28.57%	Beat
Q2 2024	Jul 26, 2024	$0.48	$0.51	$0.56	+16.67%	Beat
Q1 2024	Apr 26, 2024	$0.48	$0.51	$0.49	+2.08%	Missed
Q4 2023	Jan 26, 2024	$0.55	$0.54	$0.62	+12.73%	Beat
Q3 2023	Oct 27, 2023	$0.57	$0.57	$0.63	+10.53%	Beat
Q2 2023	Jul 28, 2023	$0.68	$0.68	$0.70	+2.94%	Beat
Q1 2023	Apr 28, 2023	$0.72	$0.73	$0.79	+9.72%	Beat