Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank or National Association because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association compare based on key financial metrics to determine which better meets your investment needs.

About Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It offers deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also provides commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it offers safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier’s checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

Flagstar Bank, National Association provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Flagstar Bank, National Association provides banking products and services in the United States. The company’s deposit products include interest-bearing checking and money market, savings, and non-interest-bearing accounts, as well as certificates of deposit. Its loan products comprise multi-family loans; commercial real estate loans; acquisition, development, and construction loans; commercial and industrial loans; one-to-four family loans; specialty finance loans and leases; warehouse loans; and other loans, such as home equity lines of credit, as well as other consumer loans, including overdraft loans. The company offers non-deposit investment and insurance products; and online and mobile banking services. It primarily serves individuals, small and mid-size businesses, and professional associations. The company was formerly known as Flagstar Financial, Inc. Flagstar Bank, National Association was founded in 1859 and is headquartered in Hicksville, New York.

Latest Banks and Stellar Bancorp, Inc., Flagstar Bank, National Association Stock News

As of February 11, 2026, Stellar Bancorp, Inc. had a $2.0 billion market capitalization, compared to the Banks median of $562.5 million. Stellar Bancorp, Inc.’s stock is up 28.3% in 2026, up 2.7% in the previous five trading days and up 38.03% in the past year.

Currently, Stellar Bancorp, Inc.’s price-earnings ratio is 20.5. Stellar Bancorp, Inc.’s trailing 12-month revenue is $416.5 million with a 24.9% net profit margin. Year-over-year quarterly sales growth most recently was -7.5%. Analysts expect adjusted earnings to reach $2.177 per share for the current fiscal year. Stellar Bancorp, Inc. currently has a 1.5% dividend yield.

As of February 11, 2026, Flagstar Bank, National Association had a $5.8 billion market cap, putting it in the 70th percentile of all stocks. Flagstar Bank, National Association’s stock is up 10.9% in 2026, down 0.4% in the previous five trading days and up 13.59% in the past year.

Currently, Flagstar Bank, National Association does not have a price-earnings ratio. Flagstar Bank, National Association’s trailing 12-month revenue is $1.8 billion with a -9.4% net profit margin. Year-over-year quarterly sales growth most recently was 26.2%. Analysts expect adjusted earnings to reach $0.548 per share for the current fiscal year. Flagstar Bank, National Association currently has a 0.3% dividend yield.

How We Compare Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association’s stock grades to see how they measure up against one another.

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Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association’s Quality Grades

Company	Ticker	Quality
Stellar Bancorp, Inc.	STEL	D
Flagstar Bank, National Association	FLG	D
Flagstar Bank, National Association	FLG	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Stellar Bancorp, Inc. has a Quality Score of 28, which is Weak. Flagstar Bank, National Association has a Quality Score of 24, which is Weak. Flagstar Bank, National Association has a Quality Score of 24, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank or National Association has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank or National Association is the better investment when it comes to quality.

Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association’s Momentum Grades

Company	Ticker	Momentum
Stellar Bancorp, Inc.	STEL	B
Flagstar Bank, National Association	FLG	B
Flagstar Bank, National Association	FLG	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Stellar Bancorp, Inc. has a Momentum Score of 75, which is Strong. Flagstar Bank, National Association has a Momentum Score of 64, which is Strong. Flagstar Bank, National Association has a Momentum Score of 64, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Stellar Bancorp, Inc.	STEL	B
Flagstar Bank, National Association	FLG	D
Flagstar Bank, National Association	FLG	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Stellar Bancorp, Inc. has a Earnings Estimate Score of 62, which is Positive. Flagstar Bank, National Association has a Earnings Estimate Score of 29, which is Negative. Flagstar Bank, National Association has a Earnings Estimate Score of 29, which is Negative.

The Earnings Estimate Revisions Grade Winner: Stellar Bancorp, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Stellar Bancorp, Inc. has a better Earnings Estimate Revisions Grade than Flagstar Bank, National Association. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Stellar Bancorp, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association Grades

In addition to Quality, Estimate Revisions and Momentum, A+ Investor also provides grades for Value and Growth.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank or National Association Stock?

Overall, Stellar Bancorp, Inc. stock has a Momentum Score of 75, Estimate Revisions Score of 62 and Quality Score of 28.

Flagstar Bank, National Association stock has a Momentum Score of 64, Estimate Revisions Score of 29 and Quality Score of 24.

Flagstar Bank, National Association stock has a Momentum Score of 64, Estimate Revisions Score of 29 and Quality Score of 24.

Comparing Stellar Bancorp, Inc., Flagstar Bank, National Association, Flagstar Bank and National Association’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.