STEL director sells 80 shares; beneficial ownership now 30,236

Stellar Bancorp, Inc. (STEL) director Frances H. Jeter reported a Section 16 transaction selling 80 shares of common stock on 08/27/2025 at no cash price recorded and now beneficially owns 30,236 shares directly.

Rhea-AI Filing Summary

Stellar Bancorp, Inc. (STEL) director Frances H. Jeter reported a Section 16 transaction selling 80 shares of common stock on 08/27/2025 at no cash price recorded and now beneficially owns 30,236 shares directly. The Form 4 is signed on 08/28/2025 by Justin M. Long. This filing documents a routine insider sale and confirms public disclosure of the ownership change.

Positive

• Filed timely Form 4 disclosing insider activity, demonstrating regulatory compliance

Negative

• None.

Insights

Corporate Governance Expert

TL;DR Routine director sale disclosed; no material change to ownership stake.

The Form 4 shows a small disposition of 80 common shares by director Frances H. Jeter, leaving a reported beneficial ownership of 30,236 shares. The filing meets Section 16 disclosure requirements and is signed, indicating compliance with insider reporting obligations. The transaction size is immaterial relative to typical outstanding share counts and does not indicate a governance event.

Securities Analyst

TL;DR Minor insider sale with no apparent market or financial impact.

The reported sale of 80 shares on 08/27/2025 is a small, direct disposition by a director. No price is recorded on the form and no derivative transactions are disclosed. Given the small number of shares sold and the remaining 30,236 shares owned, this transaction is unlikely to affect valuation or signal a change in insider sentiment.

Insider Trade Summary

80 shares gifted

Gift 1 txn

Insider Jeter Frances H.

Role Director

Type	Security	Shares	Price	Value
Gift	Common Stock	80	$0.00	$0.00

Holdings After Transaction: Common Stock — 30,236 shares (Direct)

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did STEL report on 08/27/2025?

Director Frances H. Jeter reported a sale of 80 shares of Stellar Bancorp common stock on 08/27/2025.

How many STEL shares does the reporting person own after the transaction?

The Form 4 reports 30,236 shares beneficially owned following the reported transaction.

Was a price reported for the sale on the Form 4?

The transaction shows Price $0 on the form, indicating no cash price recorded in the filing.

Who signed the Form 4 for this STEL filing?

The Form 4 is signed by Justin M. Long on 08/28/2025.

Does the filing show any derivative transactions for STEL?

No. Table II lists no derivative securities; only a non-derivative sale of common stock is reported.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 08/28/2025 - 12:56 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED 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

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^*

Jeter Frances H.

(Last) (First) (Middle)

9 GREENWAY PLAZA, SUITE 110

(Street)

HOUSTON TX 77046

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Stellar Bancorp, Inc. [ STEL ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/27/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/27/2025		G		80	D	$0	30,236	D

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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	/s/ Justin M. Long	08/28/2025
	** Signature of Reporting Person	Date
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.