Stephensia armata is a Central American moth of the family Elachistidae and Gelechioidea superfamily, discovered in 1998 at Las Cuevas Research Station, in Belize's Chiquibul Forest Reserve.

The species is remarkable for the single transverse fascia of the forewing, and long lobes of the valvae and juxta.

The underside and head are paler, while its back and wings are grey-brown or dark ochre.

[1] S. armata is distinct from congeneric American species of moth in the deep split between the juxta lobes, and its relatively small uncus.

[1] Samples of S. armata were collected in April, during the rainy season in Belize.