Stellar Bancorp Inc

STEL remains in a Stage 2 advance driven by a persistent Higher Highs & Higher Lows pattern and supportive EMAs. Price is consolidating above the 9, 21, and 50 EMAs with pullbacks held by the cluster, offering a favorable entry opportunity. Volume expands on rallies and contracts on pullbacks, confirming continuation bias. OB/OS and RSI levels are neutral, reducing timing constraints. A sustained break below the EMA cluster would invalidate the bullish stance.

• ↑Q2 loan originations reached $640M, nearly double prior period
• ↑Net interest income rose to $100.6M in Q3
• ↓Net interest margin fell to 4.2% in Q3, down sequentially