Is Stellar Bancorp, Inc. (STEL) halal? Not Halal. Based on AAOIFI screening, Stellar Bancorp, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Stellar Bancorp, Inc.

STEL: Is Stellar Bancorp, Inc. Halal?

Not Halal

Stellar Bancorp, Inc.

NYSEFinancial ServicesUS

$37.37

+1.60%

About Stellar Bancorp, Inc.

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking services primarily to small and medium-sized businesses, professionals, and individual customers. It accepts deposit products, including checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits; and certificates of deposit. The company's loan portfolio comprises commercial and industrial loans; commercial real estate loans, including multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans, such as 1-4 family residential mortgage loans; residential construction loans; and consumer and other loans. In addition, it offers automated teller machine services, drive-through services, and depository facilities; mobile banking services; and telephone, mail, and Internet banking services. Further, the company provides safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier's checks, and letters of credit. It has locations in the Southeast region, including Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas. The company was founded in 2007 and is headquartered in Houston, Texas.

Sector: Financial Services 路 Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 11, 2026
F

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

  • Prohibited industry: Banks - Regional

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap2.1% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 11, 2026Fiscal: Q1 2026Source: EDGAR

Financial Overview

Market Cap

1.9B

Price

$37.37

Sector

Financial Services

Industry

Banks - Regional

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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AllianceBernstein Holding L.P.
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Inflection Point Acquisition Corp. III
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Inflection Point Acquisition Corp. III

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Axiom Intelligence Acquisition Corp 1
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Axiom Intelligence Acquisition Corp 1

$10.42

+0.29%

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Frequently Asked Questions

Is Stellar Bancorp, Inc. (STEL) halal to invest in?
Stellar Bancorp, Inc. (STEL) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.
Why did Stellar Bancorp, Inc. get a F compliance rating?
Stellar Bancorp, Inc. (STEL) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 2.1% (limit 30%); interest-bearing deposits of 21.5% (limit 30%); prohibited income of 8984.85% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Stellar Bancorp, Inc.'s Shariah verdict?
Stellar Bancorp, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.
How often is Stellar Bancorp, Inc. re-screened for Shariah compliance?
Stellar Bancorp, Inc. (STEL) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 11, 2026.

Screened according to AAOIFI Standard No. 21 路 For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.