What trends can investors expect from STEL's future earnings?

**Stellar Bancorp Inc (STEL) is poised for a stable but cautious outlook in its future earnings**, based on the following trends: 1. **Stable Revenue Growth**: Stellar Bancorp's revenue estimates for the full year 2025 have been increased from $431.10 million to $434.78 million over the past 90 days. This indicates a growing trend in revenue, which is a positive sign for investors. 2. **Earnings Variations**: While the earnings estimates for the full year 2024 have increased from $2.14 per share to $2.17 per share, there has been a slight decline in earnings projections for 2025, dropping from $1.91 per share to $1.89 per share. This suggests that while the company is expected to maintain a good level of earnings, there may be some challenges or adjustments in the short term. 3. **Consensus and Analyst Sentiments**: The consensus earnings per share (EPS) estimate for 2025 is $1.80, which is a 18% fall from the statutory EPS of $2.20 reported in the previous year. This minor downgrade in earnings projections by analysts might reflect a more cautious stance on the company's short-term performance. 4. **Market Valuation and Price Targets**: The average analyst price target for Stellar Bancorp is $31.40, with a range from $28.00 to $34.00. This suggests that while the stock has potential, the market is also cautious, reflecting the tempered expectations for future earnings. 5. **Historical Performance**: Stellar Bancorp has a track record of beating earnings expectations, as evidenced by its actual EPS of $0.63 exceeding estimates by $0.49 per share in the previous quarter. This historical outperformance could be indicative of strong operational efficiency and risk management. In conclusion, investors can expect STEL's future earnings to show a general upward trend in revenue, with some adjustments in earnings projections due to market conditions and analyst sentiment. The company's strong historical performance and stable business strategy suggest a positive long-term outlook, despite the minor challenges anticipated in the short term.