Trailing Dividend / Share
$0.57
Stellar Bancorp, Inc. (STEL) Dividend History
Income profile from 2017 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.5%
Payout Ratio
28.5%
Sustainable
Dividend Streak
4 years
STEL Dividend Income Check
Safety
28.5% payout ratio with sustainable safety profile.
Consistency
4 straight years of dividend increases.
Income Trend
Yield on cost is 2.3% and trend is rising.
STEL Dividend Scorecard
Yield & Income
Dividend Yield1.5%
Trailing DPS$0.57
FrequencyAnnual
Payments / 12M4
Payout Safety
Earnings Payout28.5%
Earnings SafetySustainable
FCF Payout24.4%
FCF SafetyWell Covered
Piotroski F-Score5/9
Growth
Growth Streak4 years
3Y CAGR3.1%
5Y CAGR7.3%
Yield on Cost (5Y)2.3%
YOC Trendrising
Total Returns
Buyback Yield3.8%
Total Shareholder Yield5.3%
1Y Total Return48.3%
5Y Total Return28.1%
Div Contribution (5Y)8.5%
Estimated $10K growth (return + dividends):
5Y ago$12,81310Y ago$14,42020Y ago$14,420
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
STEL Income Growth Story
Dividend per share and yield on cost over time (10 years of payments)
STEL Dividend Safety Story
EPS is the container — dividend is what's drawn out
Dividend Analysis
Payout Safety
Stellar Bancorp, Inc. distributes 28.5% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 24.4%, rated "Well Covered".
Piotroski F-Score: 5/9 — moderate financial health.
Growth Track Record
STEL has raised its dividend for 4 consecutive years, with a 3-year CAGR of 3.1% and 5-year CAGR of 7.3%.
Total Shareholder Returns
Beyond cash dividends, STEL returns capital through share repurchases. The combined picture: 1.5% dividend yield, 3.8% buyback yield, 5.3% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 2.3% and is currently rising. The 5-year total return is 28.1%, with dividends contributing 8.5% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $14,420 today.
STEL Recent Dividend Payments
Last 20 payments · Annual
TTM Total$2.68
Avg/Payment$0.1340
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Mar 16, 2026Latest | $0.1500 | — | 1.63% | Mar 31, 2026 |
| Dec 15, 2025 | $0.1500 | ↑ +7.1% | 1.76% | Dec 31, 2025 |
| Sep 15, 2025 | $0.1400 | — | 1.81% | Sep 30, 2025 |
| Jun 16, 2025 | $0.1400 | — | 2.05% | Jun 30, 2025 |
| Mar 17, 2025 | $0.1400 | — | 1.97% | Mar 31, 2025 |
| Dec 13, 2024 | $0.1400 | ↑ +7.7% | 1.73% | Dec 31, 2024 |
| Sep 13, 2024 | $0.1300 | — | 1.94% | Sep 30, 2024 |
| Jun 14, 2024 | $0.1300 | — | 2.42% | Jun 28, 2024 |
STEL Dividend vs Peers
Comparable companies in the same industry
#7 yield in peer group
Div Yield
1.5%
#7 of 8
Safety
Sustainable
28.5% payout
Streak
4Y
7.3% 5Y CAGR
Total Shareholder
5.3%
#2 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| STELStellar Bancorp, Inc… | $1.9B | 1.5% | 28.5% | 4 | Sustainable |
3rd  TCBKTriCo Bancshares | $1.6B | 2.7% | 37.0% | 7 | Sustainable |
 IBOCInternational Bancsh… | $4.6B | 1.9% | 21.1% | 16 | Sustainable |
 FFINFirst Financial Bank… | $4.6B | 2.2% | 46.0% | 11 | Sustainable |
 BOKFBOK Financial Corpor… | $10.3B | 1.7% | 27.3% | 11 | Sustainable |
1st  SBSISouthside Bancshares… | $1.0B | 4.3% | 62.7% | 0 | Watch |
2nd  CFRCullen/Frost Bankers… | $8.7B | 2.9% | 39.4% | 33 | Sustainable |
 TCBITexas Capital Bancsh… | $4.4B | 0.4% | — | 3 | Unknown |
STEL Annual Dividend History (2015–2026)
12 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.15 | — | 1 | — | — | — | 0.6% |
| 2025 | $0.57 | 7.5% | 4 | $1.99 | 28.6% | 3.49x | 2.3% |
| 2024 | $0.53 | 1.9% | 4 | $2.15 | 24.7% | 4.06x | 2.1% |
| 2023 | $0.52 | 0.0% | 4 | $2.45 | 21.2% | 4.71x | 2.1% |
| 2022 | $0.52 | 0.0% | 4 | $1.47 | 35.4% | 2.83x | 2.1% |
| 2021 | $0.52 | 30.0% | 4 | $2.82 | 18.4% | 5.42x | 2.1% |
| 2020 | $0.40 | 0.0% | 4 | $1.06 | 37.7% | 2.65x | 1.6% |
| 2019 | $0.40 | 100.0% | 4 | $2.02 | 19.8% | 5.05x | 1.6% |
| 2018 | $0.20 | 300.0% | 4 | $1.89 | 10.6% | 9.45x | 0.8% |
| 2017 | $0.05 | — | 1 | $1.22 | 4.1% | 24.40x | 0.2% |
See STEL's True Return
Price is only half the story. See total return with reinvested dividends.
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Start ComparisonSTEL — Frequently Asked Questions
Quick answers to the most common questions about buying STEL stock.
How much dividend does STEL pay per share?
Stellar Bancorp, Inc. (STEL) pays a trailing 12-month dividend of $0.57 per share, with a current dividend yield of +1.5%. Payments are made Annual.
When is STEL's next ex-dividend date?
STEL's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. STEL typically pays dividends Annual.
Is STEL's dividend safe?
STEL's dividend safety is rated "Sustainable" based on an earnings payout ratio of +28.5% and FCF payout ratio of +24.4%. The 4-year growth streak provides moderate confidence.
Is STEL a Dividend Payer?
Yes, Stellar Bancorp, Inc. is classified as a Dividend Payer with 4 consecutive years of dividend increases. The 5-year dividend CAGR is +7.3%, demonstrating above-inflation dividend growth.
How often does STEL pay dividends?
Stellar Bancorp, Inc. pays dividends Annual. The trailing 12-month total is $0.57 per share. Dividend data on this page covers 9+ years from 2017 to 2026.
How much would $10,000 invested in STEL grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in STEL five years ago would be worth approximately $12,813 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is STEL's yield on cost for long-term holders?
STEL's yield on cost — the current dividend divided by the original purchase price — is +2.3% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +1.5% market yield, thanks to consistent dividend growth.