Is STEL or SUPV more undervalued in 2026?

CirclFi compares Stellar Bancorp, Inc. (STEL) and Grupo Supervielle S.A. (SUPV) using 13 institutional-grade valuation models. STEL has a Quality of Company score of 8.1/10 while SUPV scores 8.2/10.

Which is a better buy — STEL or SUPV?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do STEL and SUPV valuations compare?

STEL at $37.49 and SUPV at $9.29 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

STEL vs SUPV Valuation Comparison 2026 — Intrinsic Value Analysis

STEL

Banks - Regional

Stellar Bancorp, Inc.

Quality

8.1

out of 10

Value Trap

LOW

Price

$37.49

Last close

Models

12/13

Active

SUPV

Banks - Regional

Grupo Supervielle S.A.

Quality

8.2

out of 10

Value Trap

SAFE

Price

$9.29

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	STEL Fair Value	STEL Upside	SUPV Fair Value	SUPV Upside
Bayesian DCF	Intrinsic	$22.55	-39.8%	$9.82	+5.7%
Earnings Power Value	Intrinsic	$33.63	-10.3%	$10.54	+13.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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STEL vs SUPV — Which Stock Is More Undervalued?

SUPV scores higher with a 8.2/10 quality rating vs STEL's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Stellar Bancorp, Inc. (STEL) and Grupo Supervielle S.A. (SUPV) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

STEL currently trades at $37.49 with a QOC of 8.1/10, while SUPV trades at $9.29 with a QOC of 8.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).