Studio Financial Holdings, Inc. operates as the holding company for Studio Bank that provides various financial services in the United States. It offers commercial banking services, including commercial checking, and commercial savings and money market accounts; interest on lawyers trust accounts; cash concentration, remote capture, preauthorized automated clearing house debits and filtering, wire transfers, zero balance and automated sweep, account reporting and reconciliation, and positive pay services; term and bridge loans, revolving lines of credit, land development loans, construction and development lines of credit, and other commercial loans; and commercial credit cards. The company also provides personal banking services comprising personal checking and personal savings accounts; mortgages and other personal loan accounts; and personal credit cards. In addition, it offers tech and startup banking services; and mortgage and home loan options, as well as home equity lines of credit and home equity installment loans. The company operates through its offices in Davidson County, Tennessee; and a loan production office in Williamson County, Tennessee. Studio Financial Holdings, Inc. was founded in 2017 and is based in Nashville, Tennessee.
Is STBK a good dividend investment in 2026?
STBK offers a 16.53% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
STBK DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your STBK portfolio grows to $12.03M vs $10.26M without reinvestment. This is the compound interest effect in action.
STBK dividend growth history & forecast
STBK 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 16.53%.
FCF ($2M) is below dividends paid ($14M) — risk of cut (FCF: $2M · Dividends est.: $14M)
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.0B → +0.0B → +0.0B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/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.
🌍 STBK Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold STBK.
Gross yield
16.53%
Tax rate
15.00%
After-tax yield
14.05%
Real yield (−CPI)
11.25%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
16.53%
13.73%
$1,653 / yr
🇺🇸 US Taxable (15%) ✓
15%
14.05%
11.25%
$1,405 / yr
🇺🇸 US Taxable (20%)
20%
13.22%
10.42%
$1,322 / yr
🇬🇧 UK ISA
0%
16.53%
13.73%
$1,653 / yr
🇬🇧 UK Taxable
8.75%
15.08%
12.28%
$1,508 / yr
🇨🇦 TFSA
0%
16.53%
13.73%
$1,653 / yr
🇨🇦 CA Taxable
25%
12.40%
9.60%
$1,240 / yr
🇦🇺 Super (pension)
15%
14.05%
11.25%
$1,405 / yr
🇦🇺 AU Taxable
30%
11.57%
8.77%
$1,157 / yr
🇩🇪 DE Taxable
26.375%
12.17%
9.37%
$1,217 / yr
🇫🇷 FR Taxable
30%
11.57%
8.77%
$1,157 / 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.
🎯 STBK Income Goal & Break-Even
Dividend Break-Even
8yr
Years for dividends to fully repay your STBK investment of $12.10/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$15.7K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$13.2K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in STBK for:
Shares needed
14,118
Capital required
$170,828
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 STBK Dividend Payment Schedule
STBK 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
📊 STBK vs Financial Services Benchmarks
How STBK compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+13.63% vs sectorBetter
STBK
16.53%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
STBK
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
STBK
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for STBK sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ STBK Insider Activity
No recent SEC filings reported in the last 90 days.
📊 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 STBK 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 →