“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 ↗
STEL
STEL
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.
- 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.
Research brief
The story so far
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.
No thresholded supportive filing evidence is available yet.
No thresholded adverse filing evidence is available yet.
- 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
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
No qualifying supportive evidence was identified.
- 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.
- 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.
Price as of Jun 30, 2026
39.32Reported annual revenue and per-share history. This is accounting history, not a forecast.
What management says matters
Persistent and emerging business drivers
“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 ↗
“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 ↗
“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.
Mechanical 2.0-year scenarios are available as editable assumptions, not consensus.
Price action
How the market is pricing the story
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.