This paper concerns the determination of stress concentration in piezoelectric ceramic multilayer actuators when they are subjected to electrical loads. A full numerical procedure is developed here to evaluate the strength of the stress concentration at the tip of electrodes. The whole procedure consists of two steps: (1) a 1D finite element formulation is proposed to determine the eigensolution of the singular electromechanical field; (2) a hybrid-Trefftz element is constructed to determine the strength of the singular electromechanical field. The independently assumed stress and electrical displacement fields are extracted from the eigensolution obtained from previous 1D finite element formulation. Then, the proposed procedure is used to study stress concentration in piezoelectric ceramic multilayer actuators.