About Sterling Bancorp (STL) — Dividend Analysis 2026
Sterling Bancorp operates as the bank holding company for Sterling National Bank that provides various banking products and services to commercial, consumer, and municipal clients in the United States. The company accepts deposit products, including interest and non-interest checking, savings, money market, time, and demand deposits, as well as certificates of deposit. Its loan products include commercial and industrial, asset-based, payroll finance, warehouse, factored receivables, equipment finance, public sector finance, and commercial real estate, such as multi-family loans; residential and commercial mortgage loans; consumer loans, such as homeowner loans, home equity lines of credit, new and used automobile loans, and personal unsecured loans; and acquisition, development, and construction loans. The company also engages in the third-party provider to sell mutual funds and annuities; and provision of annuity and wealth management products. As of December 31, 2020, it operated 76 full-service retail and commercial financial centers in the New York Metro Market and the New York Suburban Market. Sterling Bancorp was founded in 1888 and is headquartered in Pearl River, New York.
Is STL a good dividend investment in 2026?
STL offers a 19.57% forward yield with a 50% payout ratio. Strand Safety Score: 85/100 (Very Safe). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
STL DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your STL portfolio grows to $570.9K vs $395.0K without reinvestment. This is the compound interest effect in action.
STL dividend growth history & forecast
STL 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 19.57%.
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.
🌍 STL Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold STL.
Gross yield
19.57%
Tax rate
15.00%
After-tax yield
16.63%
Real yield (−CPI)
13.83%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
19.57%
16.77%
$1,957 / yr
🇺🇸 US Taxable (15%) ✓
15%
16.63%
13.83%
$1,663 / yr
🇺🇸 US Taxable (20%)
20%
15.66%
12.86%
$1,566 / yr
🇬🇧 UK ISA
0%
19.57%
16.77%
$1,957 / yr
🇬🇧 UK Taxable
8.75%
17.86%
15.06%
$1,786 / yr
🇨🇦 TFSA
0%
19.57%
16.77%
$1,957 / yr
🇨🇦 CA Taxable
25%
14.68%
11.88%
$1,468 / yr
🇦🇺 Super (pension)
15%
16.63%
13.83%
$1,663 / yr
🇦🇺 AU Taxable
30%
13.70%
10.90%
$1,370 / yr
🇩🇪 DE Taxable
26.375%
14.41%
11.61%
$1,441 / yr
🇫🇷 FR Taxable
30%
13.70%
10.90%
$1,370 / 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.
🎯 STL Income Goal & Break-Even
Dividend Break-Even
7yr
Years for dividends to fully repay your STL investment of $26.29/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$21.5K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$19.0K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in STL for:
Shares needed
5,489
Capital required
$144,306
Monthly income
$2,000
Based on current dividend of $5.14/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 STL Dividend Payment Schedule
STL pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$10.93 / payment
$43.73 / year after tax
100 shares
$109.33 / payment
$437.30 / year after tax
1,000 shares
$1093.26 / payment
$4373.02 / year after tax
📊 STL vs Financial Services Benchmarks
How STL compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+16.67% vs sectorBetter
STL
19.57%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
STL
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
STL
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for STL sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ STL 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
Whitwell Rodney
officer: SEVP/CAO
D-Return
2022-01-31
150,048
$26.29
$3.94M
GEISEL THOMAS X
officer: President, Corporate Banking
D-Return
2022-01-31
115,752.68
$26.29
$3.04M
Evans Javier L.
officer: Chief Bus Oper & Svc Officer
A-Award
2022-01-31
76,115
$26.29
$2.00M
Blose James P
officer: General Counsel and CLO
D-Return
2022-01-31
87,849
$26.29
$2.31M
Blose James P
officer: General Counsel and CLO
D-Return
2022-01-31
3,920
—
—
KOPNISKY JACK L
director, officer: President & CEO
D-Return
2022-01-31
4,461
—
—
KOPNISKY JACK L
director, officer: President & CEO
D-Return
2022-01-31
868,839.53
$26.29
$22.84M
Mitchell Maureen
director
D-Return
2022-01-31
11,186.65
$26.29
$294.1K
LANDY JAMES J
director
D-Return
2022-01-31
218,703
$26.29
$5.75M
LANDY JAMES J
director
D-Return
2022-01-31
148,571
—
—
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
📊 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 STL 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 →