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SBNC Dividend DRIP Calculator 2026
0.20% YieldFinancial ServicesSouthern BancShares (N.C.), Inc. · OTC
Price: $12,400.00 · Annual div: $25.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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SBNC is not a dividend-focused stock
SBNC pays a very low or no dividend (Yield: 0.20%). This calculator is designed for income-producing assets. If your goal is passive income and compounding, you might want to look at these popular alternatives:
Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
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🎯 When SBNC pays your bills
Year your monthly dividend income covers each expense (based on current settings)
Share your SBNC snowball 📈
$10,000 in SBNC → $2.68M in 10 years · $21.22/month
About Southern BancShares (N.C.), Inc. (SBNC) — Dividend Analysis 2026
Southern BancShares (N.C.), Inc., operating primarily through its subsidiary Southern Bank and Trust Company, delivers a comprehensive suite of commercial banking services. These offerings are available to both individual consumers and business clients throughout North Carolina and Virginia. The institution provides a variety of deposit accounts, including checking, savings, money market, individual retirement accounts (IRAs), and certificates of deposit (CDs). For personal financing, the bank extends numerous loan options such as cash reserve lines, vehicle leases, home equity lines of credit, credit cards, and automotive loans, in addition to a full range of mortgage products. Businesses can access a robust portfolio of lending solutions, which includes specialized business leases, "reserve plus" financing, merchant accounts, business credit cards, as well as loans for construction, commercial projects, and agricultural ventures. Beyond core banking, Southern BancShares offers a wide array of supplementary services. These encompass treasury management, convenient online and mobile banking platforms, night deposit facilities, cashier's checks, investment and brokerage services, ATM/Visa debit cards, cell phone protection plans, secure wire transfers, and safe deposit box rentals. The company maintains a significant presence with approximately 60 branch locations spread across North Carolina and Virginia. Founded in 1901, Southern BancShares (N.C.), Inc. is headquartered in Mount Olive, North Carolina.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 SBNC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold SBNC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 0.20% | -2.60% | $20 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.17% | -2.63% | $17 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.16% | -2.64% | $16 / yr |
| 🇬🇧 UK ISA | 0% | 0.20% | -2.60% | $20 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.18% | -2.62% | $18 / yr |
| 🇨🇦 TFSA | 0% | 0.20% | -2.60% | $20 / yr |
| 🇨🇦 CA Taxable | 25% | 0.15% | -2.65% | $15 / yr |
| 🇦🇺 Super (pension) | 15% | 0.17% | -2.63% | $17 / yr |
| 🇦🇺 AU Taxable | 30% | 0.14% | -2.66% | $14 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.15% | -2.65% | $15 / yr |
| 🇫🇷 FR Taxable | 30% | 0.14% | -2.66% | $14 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 SBNC Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $25.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 SBNC Dividend Payment Schedule
SBNC pays quarterly — 4 times per year. Next ex-div: TBD.
📊 SBNC vs Financial Services Benchmarks
How SBNC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for SBNC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ SBNC Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2006-02-28 | 100 | $780.00 | $78.0K | ||
| Buy | 2006-02-28 | 50 | $780.00 | $39.0K | ||
| Buy | 2006-02-28 | 50 | $780.00 | $39.0K | ||
| Buy | 2006-02-28 | 50 | $780.00 | $39.0K | ||
| Buy | 2005-11-02 | 45 | $780.00 | $35.1K | ||
| Buy | 2005-11-02 | 30 | $780.00 | $23.4K | ||
| Buy | 2005-11-02 | 116 | $780.00 | $90.5K | ||
| Buy | 2005-11-02 | 9 | $780.00 | $7.0K | ||
| Buy | 2005-11-02 | 26 | $780.00 | $20.3K | ||
| Buy | 2005-10-12 | 171 | $780.00 | $133.4K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the SBNC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Southern BancShares (N.C.), Inc. (SBNC) is currently trading at $12,400.00, trading near its 52-week high. The current dividend yield is 0.20% based on an annual payout of $25.00 per share.
SBNC (Southern BancShares (N.C.), Inc.) — 0.20% Dividend Yield Analysis
Southern BancShares (N.C.), Inc. (SBNC) is a financial services stock currently trading at $12400.00 with a dividend yield of 0.20%. The company pays an annual dividend of $25.00 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, SBNC has grown its dividend at a compound annual rate of 28.8%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest SBNC News
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