Stellar Bancorp, Inc. (STEL)
Stellar Bancorp, Inc. is a Houston-based banking holding company that specializes in delivering comprehensive commercial banking solutions to small and medium-sized enterprises, professionals, and individual clients. With a focus on personalized service and community engagement, Stellar Bancorp leverages its regional expertise to foster financial growth and stability. The company’s robust portfolio includes lending, deposit services, and treasury management solutions, positioning it as a key player in the local financial landscape.
Stock Price Trends
Stock price trends estimated using linear regression.
Key facts
- The primary trend is increasing.
- The growth rate of the primary trend is 15.01% per annum.
- STEL price at the close of October 17, 2025 was $29.23 and was inside the primary price channel.
- The secondary trend is increasing.
- The growth rate of the secondary trend is 53.82% per annum.
- STEL price at the close of October 17, 2025 was lower than the bottom border of the secondary price channel by $0.39 (1.32%). This indicates a possible reversal in the secondary trend direction.
Linear Regression Model
Model equation:
Yi = α + β × Xi + εi
Top border of price channel:
Exp(Yi) = Exp(a + b × Xi + 2 × s)
Bottom border of price channel:
Exp(Yi) = Exp(a + b × Xi – 2 × s)
where:
i - observation number
Yi - natural logarithm of STEL price
Xi - time index, 1 day interval
σ - standard deviation of εi
a - estimator of α
b - estimator of β
s - estimator of σ
Exp() - calculates the exponent of e
Primary Trend
Start date: April 4, 2023
End date: October 17, 2025
a = 2.6965
b = 0.0004
s = 0.0731
Annual growth rate:
Exp(365 × b) – 1
= Exp(365 × 0.0004) – 1
= 15.01%
Price channel spread:
Exp(4 × s) – 1
= Exp(4 × 0.0731) – 1
= 33.96%
April 4, 2023 calculations
Top border of price channel:
Exp(Y614)
= Exp(a + b × X614 + 2 × s)
= Exp(a + b × 896 + 2 × s)
= Exp(2.6965 + 0.0004 × 896 + 2 × 0.0731)
= Exp(3.1861)
= $24.19
Bottom border of price channel:
Exp(Y614)
= Exp(a + b × X614 – 2 × s)
= Exp(a + b × 896 – 2 × s)
= Exp(2.6965 + 0.0004 × 896 – 2 × 0.0731)
= Exp(2.8937)
= $18.06
October 17, 2025 calculations
Top border of price channel:
Exp(Y1,251)
= Exp(a + b × X1,251 + 2 × s)
= Exp(a + b × 1,823 + 2 × s)
= Exp(2.6965 + 0.0004 × 1,823 + 2 × 0.0731)
= Exp(3.5413)
= $34.51
Bottom border of price channel:
Exp(Y1,251)
= Exp(a + b × X1,251 – 2 × s)
= Exp(a + b × 1,823 – 2 × s)
= Exp(2.6965 + 0.0004 × 1,823 – 2 × 0.0731)
= Exp(3.2489)
= $25.76
Description
- The primary trend is increasing.
- The growth rate of the primary trend is 15.01% per annum.
- STEL price at the close of October 17, 2025 was $29.23 and was inside the primary price channel.
Secondary Trend
Start date: April 3, 2025
End date: October 17, 2025
a = 1.3125
b = 0.0012
s = 0.0373
Annual growth rate:
Exp(365 × b) – 1
= Exp(365 × 0.0012) – 1
= 53.82%
Price channel spread:
Exp(4 × s) – 1
= Exp(4 × 0.0373) – 1
= 16.08%
April 3, 2025 calculations
Top border of price channel:
Exp(Y1,115)
= Exp(a + b × X1,115 + 2 × s)
= Exp(a + b × 1,626 + 2 × s)
= Exp(1.3125 + 0.0012 × 1,626 + 2 × 0.0373)
= Exp(3.3052)
= $27.25
Bottom border of price channel:
Exp(Y1,115)
= Exp(a + b × X1,115 – 2 × s)
= Exp(a + b × 1,626 – 2 × s)
= Exp(1.3125 + 0.0012 × 1,626 – 2 × 0.0373)
= Exp(3.1561)
= $23.48
October 17, 2025 calculations
Top border of price channel:
Exp(Y1,251)
= Exp(a + b × X1,251 + 2 × s)
= Exp(a + b × 1,823 + 2 × s)
= Exp(1.3125 + 0.0012 × 1,823 + 2 × 0.0373)
= Exp(3.5376)
= $34.38
Bottom border of price channel:
Exp(Y1,251)
= Exp(a + b × X1,251 – 2 × s)
= Exp(a + b × 1,823 – 2 × s)
= Exp(1.3125 + 0.0012 × 1,823 – 2 × 0.0373)
= Exp(3.3885)
= $29.62
Description
- The secondary trend is increasing.
- The growth rate of the secondary trend is 53.82% per annum.
- STEL price at the close of October 17, 2025 was lower than the bottom border of the secondary price channel by $0.39 (1.32%). This indicates a possible reversal in the secondary trend direction.