STBI (Sturgis Bancorp) Dividend Payout Ratio: 0.21 (As of Mar. 2026) — 16% Below Median

What is Sturgis Bancorp Dividend Payout Ratio?

Sturgis Bancorp STBI -0.04% 76 Dividend Payout Ratio is 0.21 as of Mar. 2026, which is 16% below its 10-year median of 0.25. GuruFocus rates STBI with a GF Score™ of 76/100 and a GF Value™ of $21.27 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,168 Banks companies, Sturgis Bancorp ranks better than 80.65% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Sturgis Bancorp's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.21.

The historical rank and industry rank for Sturgis Bancorp's Dividend Payout Ratio or its related term are showing as below:

STBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.19 Med: 0.25 Max: 0.53
Current: 0.19

During the past 13 years, the highest Dividend Payout Ratio of Sturgis Bancorp was 0.53. The lowest was 0.19. And the median was 0.25.

STBI's Dividend Payout Ratio is ranked better than
80.65% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs STBI: 0.19

As of today (2026-06-27), the Dividend Yield % of Sturgis Bancorp is 2.65%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Sturgis Bancorp was 4.31%. The lowest was 1.44%. And the median was 3.20%.

Sturgis Bancorp's Dividends per Share for the months ended in Mar. 2026 was $0.18.

During the past 12 months, Sturgis Bancorp's average Dividends Per Share Growth Rate was 1.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 1.40% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 10.80% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Sturgis Bancorp was 74.70% per year. The lowest was -57.10% per year. And the median was 10.40% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Sturgis Bancorp (OTCPK:STBI) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Sturgis Bancorp Dividend Payout Ratio Related Terms

Sturgis Bancorp Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Sturgis Bancorp's Dividend Payout Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sturgis Bancorp Dividend Payout Ratio Chart

Sturgis Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.22

0.24

0.53

0.20

Sturgis Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															0.25	0.22	0.16	0.18	0.21

STBI vs BCOW, BSPA, LSFG: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Sturgis Bancorp's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Sturgis Bancorp Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Sturgis Bancorp's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Sturgis Bancorp's Dividend Payout Ratio falls into.

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76GF Score

Sturgis Bancorp Inc STBI

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Sturgis Bancorp Dividend Payout Ratio Calculation

Sturgis Bancorp's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	0.68	/	3.438
	=	0.20

Sturgis Bancorp's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.18	/	0.88
	=	0.20

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.21 mean?

Sturgis Bancorp (STBI) has a Dividend Payout Ratio of 0.21 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Sturgis Bancorp and its competitors. This is 16% below median its historical median of 0.25. Over the past decade, Sturgis Bancorp's Dividend Payout Ratio has ranged from 0.19 to 0.53. According to the industry distribution chart, Sturgis Bancorp ranks #226 out of 1168 companies in the Banks industry, placing it in the top 19.3%.

Is Sturgis Bancorp's Dividend Payout Ratio too high?

Sturgis Bancorp's current Dividend Payout Ratio of 0.21 is 16% below median its 10-year median of 0.25. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.53. The Banks industry median Dividend Payout Ratio is 0.32. Sturgis Bancorp's value of 0.21 is 34.4% below this industry median. Based on the distribution chart, Sturgis Bancorp ranks #226 out of 1168 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sturgis Bancorp has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Sturgis Bancorp's Dividend Payout Ratio compare to BCOW and BSPA?

According to the Banks industry distribution chart, Sturgis Bancorp ranks #226 out of 1168 companies for Dividend Payout Ratio. This places Sturgis Bancorp in the top 19% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Sturgis Bancorp's value of 0.21 is 34.4% below this benchmark. Historically, Sturgis Bancorp's own Dividend Payout Ratio has ranged from 0.19 to 0.53 over the past decade. While the company's 10-year median is 0.25 vs. the industry median of 0.32, Sturgis Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sturgis Bancorp's current Dividend Payout Ratio of 0.21 is 34.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Sturgis Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sturgis Bancorp's current Dividend Payout Ratio is 0.21, which is 16% below median its own 10-year median of 0.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Sturgis Bancorp stock overvalued right now?

Based on GuruFocus' analysis, Sturgis Bancorp (STBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.27, compared to a current price of $26.41 — trading 24.2% above its estimated fair value. The current Dividend Payout Ratio is 0.21, which is 16% below median its 10-year median of 0.25 and 34.4% below the Banks industry median of 0.32. Sturgis Bancorp's overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Sturgis Bancorp (STBI), the current Dividend Payout Ratio is 0.21 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Sturgis Bancorp (STBI) Overvalued in 2026?

Based on GuruFocus' analysis, Sturgis Bancorp stock appears to be overvalued. The current stock price of $26.41 is trading 24.2% above its estimated GF Value™ of $21.27. GuruFocus considers Sturgis Bancorp to be Modestly Overvalued.

Key valuation signals for STBI:

Dividend Payout Ratio: 0.21 (16% below median its 10-year median of 0.25)
GF Value™: $21.27 vs. price of $26.41 (24.2% above fair value)
GF Score™: 76/100 with 6 warning signs
Industry Position: 34.4% below the Banks median (#226 of 1168)

No single metric tells the full story. See the STBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Sturgis Bancorp Business Description

Industry Financial Services Banks

Comparable Companies BCOW BSPA LSFG FMFG MBKL FFWC FFBW BBBK OSBK CEFC SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 113-125 East Chicago Road, P.O. Box 600, Sturgis, MI, USA, 49091

Website https://www.sturgis.bank

Sturgis Bancorp Inc is a bank holding company operating predominantly in the southwestern portion of Michigan's Lower Peninsula. Through its subsidiaries, it is engaged in accepting deposits and making commercial and residential mortgage loans; providing various investment and financial advisory services; offering credit cards and different types of loans; and providing title, consumer, and commercial insurance products, among others.

76GF Score

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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.41

Price

$21.27

GF Value

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