Definitive Analysis
Definitive Analysis

Financial Statements

Analysis Mode

Ticker

Industry

Sector

Stellar Bancorp, Inc. (STEL)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$60.36 - $269.00$105.42
Multi-Stage$37.04 - $40.49$38.73
Blended Fair Value$72.08
Current Price$30.34
Upside137.56%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS26.45%0.00%0.540.530.290.180.190.170.090.080.080.09
YoY Growth--2.20%80.11%58.59%-2.66%13.76%75.88%12.85%0.39%-2.05%0.00%
Dividend Yield--1.95%2.21%1.19%0.60%0.62%0.94%0.29%0.29%0.29%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)101.94
(-) Cash Dividends Paid (M)27.41
(=) Cash Retained (M)74.53
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)20.3912.747.65
Cash Retained (M)74.5374.5374.53
(-) Cash Required (M)-20.39-12.74-7.65
(=) Excess Retained (M)54.1461.7966.89
(/) Shares Outstanding (M)52.4352.4352.43
(=) Excess Retained per Share1.031.181.28
LTM Dividend per Share0.520.520.52
(+) Excess Retained per Share1.031.181.28
(=) Adjusted Dividend1.561.701.80
WACC / Discount Rate8.22%8.22%8.22%
Growth Rate5.50%6.50%7.50%
Fair Value$60.36$105.42$269.00
Upside / Downside98.95%247.47%786.63%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)101.94108.56115.62123.13131.14139.66143.85
Payout Ratio26.88%39.51%52.13%64.75%77.38%90.00%92.50%
Projected Dividends (M)27.4142.8960.2779.73101.47125.70133.06

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.22%8.22%8.22%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)39.2639.6340.01
Year 2 PV (M)50.5051.4752.44
Year 3 PV (M)61.1662.9164.70
Year 4 PV (M)71.2473.9876.80
Year 5 PV (M)80.7884.6888.74
PV of Terminal Value (M)1,638.661,717.811,799.99
Equity Value (M)1,941.612,030.492,122.67
Shares Outstanding (M)52.4352.4352.43
Fair Value$37.04$38.73$40.49
Upside / Downside22.07%27.66%33.45%

High-Yield Dividend Screener

« Prev Page 43 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
9541.SRAcademy Of Learning Company3.74%$0.4378.32%
BBCA.JKPT Bank Central Asia Tbk3.74%$300.0564.91%
BKGI.BKBangkok Genomics Innovation Public Company Limited3.74%$0.0588.71%
DACDanaos Corporation3.74%$3.5614.02%
JKON.JKPT Jaya Konstruksi Manggala Pratama Tbk3.74%$3.2545.42%
MDKI.JKPT Emdeki Utama Tbk3.74%$8.0062.54%
NORCO.OLNorconsult ASA3.74%$1.6672.73%
SLCE3.SASLC Agrícola S.A.3.74%$0.5541.84%
3948.HKInner Mongolia Yitai Coal Co., Ltd.3.73%$0.6524.32%
IDPR.JKPT Indonesia Pondasi Raya Tbk3.73%$10.0075.77%
KIMBERA.MXKimberly-Clark de México, S. A. B. de C. V.3.73%$1.4357.51%
PGMN3.SAEmpreendimentos Pague Menos S.A.3.73%$0.2374.59%
QIBK.QAQatar Islamic Bank (Q.P.S.C.)3.73%$0.8944.73%
002367.SZCanny Elevator Co., Ltd.3.72%$0.3060.41%
600300.SSV V Food & Beverage Co.,Ltd3.72%$0.1351.92%
603899.SSShanghai M&G Stationery Inc.3.72%$1.0169.72%
RHC.AXRamsay Health Care Limited3.72%$1.2932.49%
000999.SZChina Resources Sanjiu Medical & Pharmaceutical Co., Ltd.3.71%$1.0663.26%
214180.KQHecto Innovation Co., Ltd.3.71%$602.8723.75%
603948.SSZhejiang Jianye Chemical Co., Ltd.3.71%$1.0175.31%
6089.TWill Group, Inc.3.71%$44.4274.52%
QNNS.QAQatar Navigation Q.P.S.C.3.71%$0.4038.98%
016610.KSDB Securities Co., Ltd.3.70%$404.3430.24%
2471.TS-Pool, Inc.3.70%$10.1043.62%
3430.TWOChitec Technology Co., Ltd.3.70%$2.5075.20%
4560.TWStrong H Machinery Technology (Cayman) Incorporation3.70%$1.2042.07%
5347.KLTenaga Nasional Berhad3.70%$0.5162.35%
LOOMIS.STLoomis AB (publ)3.70%$14.1053.46%
MIDW-A.STMidway Holding AB (publ)3.70%$0.9165.00%
PNDORA.COPandora A/S3.70%$25.7237.06%
SPVI.BKS P V I Public Company Limited3.70%$0.0837.67%
3401.TTeijin Limited3.69%$49.9735.81%
BZU.MIBuzzi Unicem S.p.A.3.69%$1.9018.48%
CWP.AXCedar Woods Properties Limited3.69%$0.3115.67%
CX.STCombinedX AB (publ)3.69%$1.3755.29%
REH.AXReece Limited3.69%$0.4943.22%
000783.SZChangjiang Securities Company Limited3.68%$0.3043.98%
014820.KSDongwon Systems Corporation3.68%$916.7745.73%
2245.HKLygend Resources & Technology Co., Ltd.3.68%$0.9136.29%
5DD.SIMicro-Mechanics (Holdings) Ltd.3.68%$0.0666.85%
600598.SSHeilongjiang Agriculture Company Limited3.68%$0.5589.21%
601156.SSEastern Air Logistics Co., Ltd.3.68%$0.6841.00%
NICL.JKPT PAM Mineral Tbk3.68%$51.0099.38%
PNBN.JKP.T. Bank Pan Indonesia Tbk3.68%$42.0037.86%
3617.TWCyber Power Systems, Inc.3.67%$7.6445.54%
5296.KLMr D.I.Y. Group (M) Berhad3.67%$0.0687.61%
600535.SSTasly Pharmaceutical Group Co., Ltd3.67%$0.5575.36%
8424.TFuyo General Lease Co., Ltd.3.67%$157.5152.44%
9937.TWNational Petroleum Co., Ltd.3.67%$2.1088.32%
KEMIRA.HEKemira Oyj3.67%$0.7249.87%