diff --git a/server/consumer.go b/server/consumer.go
index 5755451710..f8c0307c92 100644
--- a/server/consumer.go
+++ b/server/consumer.go
@@ -5245,12 +5245,6 @@ func (o *consumer) stopWithFlags(dflag, sdflag, doSignal, advisory bool) error {
 		if dflag {
 			n.Delete()
 		} else {
-			// Try to install snapshot on clean exit
-			if o.store != nil && (o.retention != LimitsPolicy || n.NeedSnapshot()) {
-				if snap, err := o.store.EncodedState(); err == nil {
-					n.InstallSnapshot(snap)
-				}
-			}
 			n.Stop()
 		}
 	}
diff --git a/server/jetstream_cluster.go b/server/jetstream_cluster.go
index 349e05a43b..f8b8ad1969 100644
--- a/server/jetstream_cluster.go
+++ b/server/jetstream_cluster.go
@@ -2405,7 +2405,6 @@ func (js *jetStream) monitorStream(mset *stream, sa *streamAssignment, sendSnaps
 	// fully recovered from disk.
 	isRecovering := true
 
-	// Should only to be called from leader.
 	doSnapshot := func() {
 		if mset == nil || isRecovering || isRestore || time.Since(lastSnapTime) < minSnapDelta {
 			return
diff --git a/server/jetstream_cluster_4_test.go b/server/jetstream_cluster_4_test.go
index e3b29acb1b..92c9159d33 100644
--- a/server/jetstream_cluster_4_test.go
+++ b/server/jetstream_cluster_4_test.go
@@ -4118,3 +4118,188 @@ func TestJetStreamClusterConsumerDontSendSnapshotOnLeaderChange(t *testing.T) {
 		}
 	}
 }
+
+func TestJetStreamClusterDontInstallSnapshotWhenStoppingStream(t *testing.T) {
+	c := createJetStreamClusterExplicit(t, "R3S", 3)
+	defer c.shutdown()
+
+	nc, js := jsClientConnect(t, c.randomServer())
+	defer nc.Close()
+
+	_, err := js.AddStream(&nats.StreamConfig{
+		Name:      "TEST",
+		Subjects:  []string{"foo"},
+		Retention: nats.WorkQueuePolicy,
+		Replicas:  3,
+	})
+	require_NoError(t, err)
+
+	_, err = js.Publish("foo", nil)
+	require_NoError(t, err)
+
+	// Wait for all servers to have applied everything.
+	var maxApplied uint64
+	checkFor(t, 5*time.Second, 100*time.Millisecond, func() error {
+		maxApplied = 0
+		for _, s := range c.servers {
+			acc, err := s.lookupAccount(globalAccountName)
+			if err != nil {
+				return err
+			}
+			mset, err := acc.lookupStream("TEST")
+			if err != nil {
+				return err
+			}
+			_, _, applied := mset.node.Progress()
+			if maxApplied == 0 {
+				maxApplied = applied
+			} else if applied < maxApplied {
+				return fmt.Errorf("applied not high enough, expected %d, got %d", applied, maxApplied)
+			} else if applied > maxApplied {
+				return fmt.Errorf("applied higher on one server, expected %d, got %d", applied, maxApplied)
+			}
+		}
+		return nil
+	})
+
+	// Install a snapshot on a follower.
+	s := c.randomNonStreamLeader(globalAccountName, "TEST")
+	acc, err := s.lookupAccount(globalAccountName)
+	require_NoError(t, err)
+	mset, err := acc.lookupStream("TEST")
+	require_NoError(t, err)
+	err = mset.node.InstallSnapshot(mset.stateSnapshotLocked())
+	require_NoError(t, err)
+
+	// Validate the snapshot reflects applied.
+	validateStreamState := func(snap *snapshot) {
+		t.Helper()
+		require_Equal(t, snap.lastIndex, maxApplied)
+		ss, err := DecodeStreamState(snap.data)
+		require_NoError(t, err)
+		require_Equal(t, ss.FirstSeq, 1)
+		require_Equal(t, ss.LastSeq, 1)
+	}
+	snap, err := mset.node.(*raft).loadLastSnapshot()
+	require_NoError(t, err)
+	validateStreamState(snap)
+
+	// Simulate a message being stored, but not calling Applied yet.
+	err = mset.processJetStreamMsg("foo", _EMPTY_, nil, nil, 1, time.Now().UnixNano(), nil)
+	require_NoError(t, err)
+
+	// Simulate the stream being stopped before we're able to call Applied.
+	// If we'd install a snapshot during this, which would be a race condition,
+	// we'd store a snapshot with state that's ahead of applied.
+	err = mset.stop(false, false)
+	require_NoError(t, err)
+
+	// Validate the snapshot is the same as before.
+	snap, err = mset.node.(*raft).loadLastSnapshot()
+	require_NoError(t, err)
+	validateStreamState(snap)
+}
+
+func TestJetStreamClusterDontInstallSnapshotWhenStoppingConsumer(t *testing.T) {
+	c := createJetStreamClusterExplicit(t, "R3S", 3)
+	defer c.shutdown()
+
+	nc, js := jsClientConnect(t, c.randomServer())
+	defer nc.Close()
+
+	_, err := js.AddStream(&nats.StreamConfig{
+		Name:      "TEST",
+		Subjects:  []string{"foo"},
+		Retention: nats.WorkQueuePolicy,
+		Replicas:  3,
+	})
+	require_NoError(t, err)
+
+	_, err = js.AddConsumer("TEST", &nats.ConsumerConfig{
+		Durable:   "CONSUMER",
+		Replicas:  3,
+		AckPolicy: nats.AckExplicitPolicy,
+	})
+	require_NoError(t, err)
+
+	// Add a message and let the consumer ack it, this moves the consumer's RAFT applied up.
+	_, err = js.Publish("foo", nil)
+	require_NoError(t, err)
+	sub, err := js.PullSubscribe("foo", "CONSUMER")
+	require_NoError(t, err)
+	msgs, err := sub.Fetch(1)
+	require_NoError(t, err)
+	require_Len(t, len(msgs), 1)
+	err = msgs[0].AckSync()
+	require_NoError(t, err)
+
+	// Wait for all servers to have applied everything.
+	var maxApplied uint64
+	checkFor(t, 5*time.Second, 100*time.Millisecond, func() error {
+		maxApplied = 0
+		for _, s := range c.servers {
+			acc, err := s.lookupAccount(globalAccountName)
+			if err != nil {
+				return err
+			}
+			mset, err := acc.lookupStream("TEST")
+			if err != nil {
+				return err
+			}
+			o := mset.lookupConsumer("CONSUMER")
+			if o == nil {
+				return errors.New("consumer not found")
+			}
+			_, _, applied := o.node.Progress()
+			if maxApplied == 0 {
+				maxApplied = applied
+			} else if applied < maxApplied {
+				return fmt.Errorf("applied not high enough, expected %d, got %d", applied, maxApplied)
+			} else if applied > maxApplied {
+				return fmt.Errorf("applied higher on one server, expected %d, got %d", applied, maxApplied)
+			}
+		}
+		return nil
+	})
+
+	// Install a snapshot on a follower.
+	s := c.randomNonStreamLeader(globalAccountName, "TEST")
+	acc, err := s.lookupAccount(globalAccountName)
+	require_NoError(t, err)
+	mset, err := acc.lookupStream("TEST")
+	require_NoError(t, err)
+	o := mset.lookupConsumer("CONSUMER")
+	require_NotNil(t, o)
+	snapBytes, err := o.store.EncodedState()
+	require_NoError(t, err)
+	err = o.node.InstallSnapshot(snapBytes)
+	require_NoError(t, err)
+
+	// Validate the snapshot reflects applied.
+	validateStreamState := func(snap *snapshot) {
+		t.Helper()
+		require_Equal(t, snap.lastIndex, maxApplied)
+		state, err := decodeConsumerState(snap.data)
+		require_NoError(t, err)
+		require_Equal(t, state.Delivered.Consumer, 1)
+		require_Equal(t, state.Delivered.Stream, 1)
+	}
+	snap, err := o.node.(*raft).loadLastSnapshot()
+	require_NoError(t, err)
+	validateStreamState(snap)
+
+	// Simulate a message being delivered, but not calling Applied yet.
+	err = o.store.UpdateDelivered(2, 2, 1, time.Now().UnixNano())
+	require_NoError(t, err)
+
+	// Simulate the consumer being stopped before we're able to call Applied.
+	// If we'd install a snapshot during this, which would be a race condition,
+	// we'd store a snapshot with state that's ahead of applied.
+	err = o.stop()
+	require_NoError(t, err)
+
+	// Validate the snapshot is the same as before.
+	snap, err = o.node.(*raft).loadLastSnapshot()
+	require_NoError(t, err)
+	validateStreamState(snap)
+}
diff --git a/server/stream.go b/server/stream.go
index 57a1fa015a..1c0824cdb4 100644
--- a/server/stream.go
+++ b/server/stream.go
@@ -5183,8 +5183,6 @@ func (mset *stream) stop(deleteFlag, advisory bool) error {
 			n.Delete()
 			sa = mset.sa
 		} else {
-			// Always attempt snapshot on clean exit.
-			n.InstallSnapshot(mset.stateSnapshotLocked())
 			n.Stop()
 		}
 	}