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STEL

STEL

Equities · 39.18 -0.3% today

Participation confirmed · construction unavailableMarket checked 30 Jun, 15:55 GMT-4

Market read

STEL's move is spreading beyond its market group.

No new filing conclusion is available. 21 of 22 group members are active now; 4 filing-linked outsiders are moving with the group, and 0 of 0 directly disclosed connections are confirming.

Company-0.3% todayVolume comparison unavailable
Market group21 of 22 activeRegional Banks · active
Disclosed network0 of 2 confirmingNo filing-linked name is confirming now
What would change this read
  • At least 15 of 22 members remain active in the next snapshot.
  • Capital-flow agreement rises above 55%.
  • SFBS remains aligned with the group in the next market snapshot.

Invalidation: The live read weakens if participation falls to 7 of 22 members or fewer.

Watch this read

Research brief

The story so far

Sector unavailable · Industry unavailable

No new filing conclusion is available. 21 of 22 group members are active now; 4 filing-linked outsiders are moving with the group, and 0 of 0 directly disclosed connections are confirming.

Evidence that supports

No thresholded supportive filing evidence is available yet.

Evidence that challenges

No thresholded adverse filing evidence is available yet.

What would clarify the read
  • At least 15 of 22 members remain active in the next snapshot.
  • Capital-flow agreement rises above 55%.
  • SFBS remains aligned with the group in the next market snapshot.

Company research

Understand the business, not just the ticker

As of Sep 11, 2026
Business model and earnings drivers

Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.

Key research questions
  • Which operating variable is changing?
  • Is that change durable, cyclical or one-off?
  • What evidence would disprove the current interpretation?
Annual periods4
Price observations277
Usable filing statements96
Verified relationships1
Evidence supporting the case

No qualifying supportive evidence was identified.

Evidence challenging the case
  • Latest annual revenue changed -2.3% year over year.
  • Net margin changed -151.0 percentage points in the latest annual period.
  • Credit and interest rates has repeated adverse evidence across 3 filings.
Questions before a position
  • P/E is 19% above the available filing-peer median; determine whether growth and quality justify the difference.
  • EV/sales is 911% above the available filing-peer median; determine whether growth and quality justify the difference.
Longer-term price context

Price as of Jun 30, 2026

39.32
6m+26.1%12m+40.1%24m
Annual trajectory

Reported annual revenue and per-share history. This is accounting history, not a forecast.

PeriodRevenueYoYDiluted EPSShare change
2022-12-31$3.7M$1.47
2023-12-31$6.1M+64.3%$2.45
2024-12-31$6.4M+6.0%$2.15+0.4%
2025-12-31$6.3M-2.3%$1.99-3.2%

What management says matters

Persistent and emerging business drivers

Demand and volumemixed · 4 filings
Average interest-bearing liabilities increased $437.8 million for the three months ended March 31, 2026 compared to the three months ended March 31, 2025 primarily due to an increase in average interest-bearing demand deposits and money market and savings dep…
10-Q · Apr 28, 2026
Credit and interest ratesnegative · 3 filings
37 Table of Content s The following table presents information regarding the dollar amount of changes in interest income and interest expense for the periods indicated for each major component of interest-earnings assets and interest-bearing liabilities and d…
10-Q · Apr 28, 2026
Legal and regulatory exposurenegative · 3 filings
The closing of the Merger is expected to occur in the second quarter of 2026, subject to customary conditions, including approval of the Company’s shareholders and regulatory approvals.
10-K · Feb 26, 2026
Supply chain and availabilitymixed · 3 filings
37 Table of Content s The following table presents information regarding the dollar amount of changes in interest income and interest expense for the periods indicated for each major component of interest-earnings assets and interest-bearing liabilities and d…
10-Q · Apr 28, 2026

Valuation discipline

Descriptive valuation snapshot

Price/sales 324.3× · EV/sales 257.5×. Comparisons use only industry-matched filing peers.

Scenario scaffold

Mechanical 2.0-year scenarios are available as editable assumptions, not consensus.

Price action

How the market is pricing the story

39.18-0.3% today

Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 30 Jun, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.

Developments

No sourced recent-development timeline yet

Jodie has not returned a relevant primary source or news item for STEL. This is an evidence-coverage gap, not a conclusion that nothing material happened.

Business and financial condition

Reported financial figures are not available yet

Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.

Filing analysis

No comparable filing assessment is available yet

Jodie has not yet found a suitable current-versus-prior filing comparison for STEL. This does not mean the latest filing was neutral or immaterial.

Business ecosystem

The relationships behind STEL

Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.

Filing peers

Companies whose filings use similar operating language.

Open the three relationships above to see Jodie’s filing proof. Pro unlocks 2 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →

What is moving around it

Live connections

STEL is currently a Participant in the organic co-movement group Regional Banks. This group is discovered from market behaviour rather than assigned from an industry taxonomy. No verified filing-linked names are available yet.

Context history

Theme membership history

No durable theme membership has been observed for this name yet.