Is Stellar Bancorp, Inc. (STEL) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 36.4% | |
| Net Margin | 24.9% | |
| Return on Equity (ROE) | 6.3% | |
| Return on Assets (ROA) | 0.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $97M |
| Free Cash Flow | $93M |
| Total Debt | $40M |
| Total Assets | $10.8B |
Price & Trading
| Last Close | $36.23 |
| 50-Day MA | $36.61 |
| 200-Day MA | $31.91 |
| Avg Volume | 556K |
| Beta | 0.8 |
|
52-Week Range
$24.12
| |
About Stellar Bancorp, Inc. (STEL)
Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It provides deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also offers commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.
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Frequently Asked Questions
Is Stellar Bancorp, Inc. (STEL) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Stellar Bancorp, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Stellar Bancorp, Inc.'s debt ratio?
Stellar Bancorp, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Stellar Bancorp, Inc.'s key financial metrics?
Stellar Bancorp, Inc. has a market capitalization of $1.8B, trailing P/E ratio of 18.0, and revenue of $423M. Return on equity stands at 6.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.