Stellar Bancorp Inc. Stock Analysis STEL

Stellar Bancorp, Inc. is a holding company, which engages in the provision of commercial banking services such as personal and commercial banking, real estate loans, and investment services, as well as offers deposits, debit and credit cards, cash management, treasury, and online banking services primarily to small and medium-sized businesses, professionals, and individual customers. The company is headquartered in Houston, Texas and currently employs 1,053 full-time employees. The company went IPO on 2017-11-08. Through Stellar Bank, the Company provides a diversified range of commercial banking services primarily to small- to medium-sized businesses, professionals and individual customers within our market. The company also offers a range of commercial and retail lending services, including commercial loans, loans to small businesses guaranteed by the small business administration (SBA) mortgage loans, home equity loans, personal loans and automobile loans, among others, specifically designed for small- to medium-sized businesses and companies, professionals and individuals generally located within Texas and primarily in our market. The company also offers factoring services through American Prudential Capital, Inc. The company provides a variety of deposit products and services, such as checking accounts, commercial accounts, money market accounts, savings accounts and other time deposits of various types and terms. The company also offers safe deposit boxes and cash management.