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Stellar Bancorp (STEL) director reports share conversion in Prosperity Bancshares cash-and-stock merger

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Stellar Bancorp, Inc. director Joe B. Swinbank reported dispositions of Stellar common stock in connection with the closing of its merger with Prosperity Bancshares, Inc. On July 1, 2026, all Stellar common shares were cancelled and converted into merger consideration rather than sold on the market.

Holdings disposed included shares held directly, by the Swinbank Family Limited Partnership, and by the JBS/STS Grandchildren's Trust. Each Stellar share was converted into the right to receive 0.3803 shares of Prosperity common stock plus $11.36 in cash per share, and the Form 4 shows no Stellar shares remaining after the transaction.

Positive

  • None.

Negative

  • None.
Insider Swinbank Joe B
Role null
Type Security Shares Price Value
Disposition Common Stock 170,596 $0.00 --
Disposition Common Stock 61,114 $0.00 --
Disposition Common Stock 101,600 $0.00 --
Holdings After Transaction: Common Stock — 0 shares (Direct, null); Common Stock — 0 shares (Indirect, By Swinbank Family Limited Partnership)
Footnotes (1)
  1. On July 1, 2026 (the "Effective Time"), upon consummation of the transactions contemplated by the Agreement and Plan of Merger (the "Merger Agreement"), dated as of January 27, 2026, by and between Prosperity Bancshares, Inc., a Texas corporation ("Prosperity") and Stellar Bancorp, Inc., a Texas corporation (the "Company"), and subject to the terms and conditions set forth in the Merger Agreement, each share of the Company's common stock, par value $0.01 per share, ("Company Common Stock") outstanding immediately prior to the Effective Time was cancelled and converted into the right to receive (i) 0.3803 shares of common stock (the "Exchange Ratio"), par value $1.00 per share, of Prosperity ("Prosperity Common Stock") and (ii) an amount in cash equal to $11.36 (the "Per Share Cash Merger Consideration") ((i) and (ii) together, the "Per Share Merger Consideration"). The reporting person controls the general partner of the Swinbank Family Limited Partnership. Includes 37,841 shares which were inadvertently reported as directly owned on prior reports. The reporting person possess voting power over the shares held by JBS/STS Grandchildren's Trust.
Trust disposition 101,600 shares Common stock held by JBS/STS Grandchildren's Trust disposed on July 1, 2026
Family partnership disposition 61,114 shares Common stock held by Swinbank Family Limited Partnership disposed on July 1, 2026
Direct disposition 170,596 shares Directly held Stellar common stock disposed on July 1, 2026
Exchange ratio 0.3803 shares Prosperity common stock per Stellar share under merger agreement
Cash merger consideration $11.36 per share Per share cash amount paid to Stellar shareholders in merger
Dispose transactions 3 transactions Total non-derivative dispositions reported in Form 4
Agreement and Plan of Merger regulatory
"upon consummation of the transactions contemplated by the Agreement and Plan of Merger"
An Agreement and Plan of Merger is a formal document where two companies agree to combine into one, outlining how the process will happen. It’s like a step-by-step plan for merging, and it matters because it shows both sides have agreed on the details before the official transition takes place.
Exchange Ratio financial
"into the right to receive (i) 0.3803 shares of common stock (the "Exchange Ratio")"
The exchange ratio is the number used to decide how many shares of one company you get for each share you own in another company during a merger or acquisition. It’s like a recipe that tells you how to swap shares fairly, ensuring both companies’ values are balanced. This ratio matters because it determines how ownership divides between the companies' shareholders.
Per Share Cash Merger Consideration financial
"and (ii) an amount in cash equal to $11.36 (the "Per Share Cash Merger Consideration")"
Per Share Merger Consideration financial
"(i) and (ii) together, the "Per Share Merger Consideration"."
issuer disposition regulatory
"transaction_action": "issuer disposition""
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FAQ

What does Joe B. Swinbank’s Form 4 for Stellar Bancorp (STEL) report?

The Form 4 shows Joe B. Swinbank disposing of Stellar Bancorp common stock as part of its merger with Prosperity Bancshares. Shares held directly and through family entities were cancelled and converted into Prosperity stock plus cash merger consideration, leaving no Stellar shares reported.

What merger consideration do Stellar Bancorp (STEL) shareholders receive in this transaction?

Each Stellar Bancorp common share is converted into 0.3803 shares of Prosperity Bancshares common stock plus $11.36 in cash. Together, this stock-and-cash package is defined as the per share merger consideration under the Agreement and Plan of Merger referenced in the filing.

How many Stellar Bancorp shares were disposed by the Swinbank Family Limited Partnership?

The Swinbank Family Limited Partnership disposed of 61,114 shares of Stellar Bancorp common stock. The filing notes the reporting person controls the partnership’s general partner and that these indirect holdings, including previously misclassified shares, were converted into the stated merger consideration at closing.

What role does the JBS/STS Grandchildren's Trust play in the STEL Form 4?

The JBS/STS Grandchildren's Trust disposed of 101,600 Stellar Bancorp shares, reported as indirect holdings. The filing states the reporting person has voting power over shares held by this trust, and these shares were cancelled and converted into the Prosperity stock-and-cash merger consideration at the effective time.

Were Joe B. Swinbank’s Stellar Bancorp (STEL) transactions open-market sales?

No. The transactions are coded as issuer dispositions related to the merger, not open-market sales. Each share of Stellar Bancorp common stock was automatically cancelled at the effective time and converted into the specified combination of Prosperity Bancshares stock and cash under the merger agreement.

What is Joe B. Swinbank’s reported Stellar Bancorp position after the merger?

After the merger’s effective time, the Form 4 shows zero Stellar Bancorp common shares remaining for each reported holding line. This reflects that all Stellar shares, whether direct or through family entities, were cancelled and converted into Prosperity Bancshares stock and cash merger consideration.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
X
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Swinbank Joe B

(Last)(First)(Middle)
9 GREENWAY PLAZA, SUITE 110

(Street)
HOUSTON TEXAS 77046

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
Stellar Bancorp, Inc. [ STEL ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/01/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock07/01/2026D170,596D$0(1)0D
Common Stock07/01/2026D61,114D$0(1)0IBy Swinbank Family Limited Partnership(2)
Common Stock07/01/2026D101,600D$0(1)0IBy JBS/STS Grandchildren's Trust(3)
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. On July 1, 2026 (the "Effective Time"), upon consummation of the transactions contemplated by the Agreement and Plan of Merger (the "Merger Agreement"), dated as of January 27, 2026, by and between Prosperity Bancshares, Inc., a Texas corporation ("Prosperity") and Stellar Bancorp, Inc., a Texas corporation (the "Company"), and subject to the terms and conditions set forth in the Merger Agreement, each share of the Company's common stock, par value $0.01 per share, ("Company Common Stock") outstanding immediately prior to the Effective Time was cancelled and converted into the right to receive (i) 0.3803 shares of common stock (the "Exchange Ratio"), par value $1.00 per share, of Prosperity ("Prosperity Common Stock") and (ii) an amount in cash equal to $11.36 (the "Per Share Cash Merger Consideration") ((i) and (ii) together, the "Per Share Merger Consideration").
2. The reporting person controls the general partner of the Swinbank Family Limited Partnership. Includes 37,841 shares which were inadvertently reported as directly owned on prior reports.
3. The reporting person possess voting power over the shares held by JBS/STS Grandchildren's Trust.
/s/ Justin M. Long, attorney-in-fact07/01/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)