What is Stellar Bancorp, Inc.'s Shariah compliance score?

Stellar Bancorp, Inc.'s (STEL) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Stellar Bancorp, Inc. pass AAOIFI screening?

Stellar Bancorp, Inc. (STEL) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (STEL: 2.0%), (3) interest-bearing deposits below 30% (STEL: 111.1%), and (4) prohibited income below 5% (STEL: 96.3%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Stellar Bancorp, Inc. stock?

Stellar Bancorp, Inc. (STEL) has a non-permissible income ratio of 96.35%. Muslim investors should purify this percentage of any dividends received and capital gains realized from STEL shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Stellar Bancorp, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Stellar Bancorp, Inc. (STEL) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about STEL's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

STEL: Is Stellar Bancorp, Inc. Halal?

Stellar Bancorp, Inc.

NYSEFinancial ServicesUS

$39.32

+0.03%

Market Cap: 2.0B

Compliance Status

Not Halal

Screened on Jul 21, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

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).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

2.0% of 30.0% limit

What this means for you

Most scholars advise not holding STEL

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Stellar Bancorp, Inc.

Stellar Bancorp, Inc. serves as a bank holding company, offering a comprehensive array of commercial banking services. Its core clientele consists of small to medium-sized businesses, various professionals, and individual consumers. The institution provides diverse deposit options, including checking, commercial, money market, and savings accounts, along with other time deposits and certificates of deposit. Its robust loan portfolio spans commercial and industrial financing, commercial real estate loans (which cover multi-family residential properties, construction, and land development), residential real estate lending (such as 1-4 family residential mortgages and new home construction loans), plus consumer and other miscellaneous loan products. For customer convenience, Stellar Bancorp offers access via automated teller machines, drive-through services, and traditional depository facilities. It also embraces digital banking with mobile, telephone, mail, and internet-based services. Additionally, the company furnishes safe deposit boxes, debit cards, cash management and wire transfer solutions, night depository services, direct deposit functionalities, cashier's checks, and letters of credit. Established in 2007 and based in Houston, Texas, Stellar Bancorp, Inc. maintains a physical presence across the Southeast region, with locations in key Texan cities like Houston, The Woodlands, Sugar Land, Beaumont, and Port Arthur, as well as Dallas.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 21, 2026

Business Activity Screen

Failed

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

Prohibited industry: Banks - Regional

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.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

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

GLDA+

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+0.17%

SLVA+

iShares Silver Trust

$50.98

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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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 2.0% (limit 30%); interest-bearing deposits of 111.1% (limit 30%); prohibited income of 96.35% (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: Jul 21, 2026.

Screened according to AAOIFI Standard No. 21 · 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.