About SouthPoint Bancshares, Inc. (SOUB) — Dividend Analysis 2026
SouthPoint Bancshares, Inc., through its subsidiary, SouthPoint Bank, provides various banking products and services in central Alabama. The company accepts various deposits, such as checking, saving, money market, and IRA accounts; and certificates of deposit. It also offers commercial, residential, consumer, small business administration, and home equity loans; and home mortgage services. In addition, the company provides debit and credit cards; wealth and treasury management, remote deposit, mobile and online banking, and bill pay services. It operates five branches in Birmingham, Vestavia Hills, Gardendale, Trussville, and Wilsonville. The company also operates a full-service mortgage division with six branches throughout the state of Alabama. SouthPoint Bancshares, Inc. was incorporated in 2005 and is based in Birmingham, Alabama.
Is SOUB a good dividend investment in 2026?
SOUB offers a 14.29% forward yield with a 50% payout ratio. Strand Safety Score: 40/100 (High Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
SOUB DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your SOUB portfolio grows to $11.77M vs $10.25M without reinvestment. This is the compound interest effect in action.
SOUB dividend growth history & forecast
SOUB has grown its dividend by 0% over the last year and 0% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 14.29%.
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum-0.0B → -0.0B → +0.0B
0 / 30 pts
0/30
Company is reporting net losses — dividend sustainability is in question
OVERALL ASSESSMENT
Dividend sustainability questionable — consider alternative income stocks.
STRAND SCORE
40
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 SOUB Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold SOUB.
Gross yield
14.29%
Tax rate
15.00%
After-tax yield
12.15%
Real yield (−CPI)
9.35%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
14.29%
11.49%
$1,429 / yr
🇺🇸 US Taxable (15%) ✓
15%
12.15%
9.35%
$1,215 / yr
🇺🇸 US Taxable (20%)
20%
11.43%
8.63%
$1,143 / yr
🇬🇧 UK ISA
0%
14.29%
11.49%
$1,429 / yr
🇬🇧 UK Taxable
8.75%
13.04%
10.24%
$1,304 / yr
🇨🇦 TFSA
0%
14.29%
11.49%
$1,429 / yr
🇨🇦 CA Taxable
25%
10.72%
7.92%
$1,072 / yr
🇦🇺 Super (pension)
15%
12.15%
9.35%
$1,215 / yr
🇦🇺 AU Taxable
30%
10.00%
7.20%
$1,000 / yr
🇩🇪 DE Taxable
26.375%
10.52%
7.72%
$1,052 / yr
🇫🇷 FR Taxable
30%
10.00%
7.20%
$1,000 / 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.
🎯 SOUB Income Goal & Break-Even
Dividend Break-Even
9yr
Years for dividends to fully repay your SOUB investment of $14.00/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$13.4K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$10.9K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in SOUB for:
Shares needed
14,118
Capital required
$197,652
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 SOUB Dividend Payment Schedule
SOUB pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 SOUB vs Financial Services Benchmarks
How SOUB compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+11.39% vs sectorBetter
SOUB
14.29%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
SOUB
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
SOUB
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for SOUB sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ SOUB Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
-0.89
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
4/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
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.
📊 About This Data
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 SOUB 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 →