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Spirit of Texas Bancshares, Inc. · NASDAQ
Price: $25.55 · Annual div: $0.45/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in STXB → $1.40M in 10 years · $15.08/month
Spirit of Texas Bancshares, Inc. operates as the parent company for Spirit of Texas Bank SSB, providing a comprehensive range of commercial and retail banking services. Its offerings include various deposit accounts such as checking, money market, savings, and individual retirement accounts, alongside diverse certificates of deposit. The company's lending portfolio is extensive, featuring commercial and industrial financing, mortgages for 1-4 unit single-family homes, construction, land, and development loans, as well as a spectrum of commercial real estate credit facilities covering owner-occupied, non-owner-occupied, multifamily, and farmland properties. Additionally, they provide consumer loans, leases, and municipal lending. Beyond core banking, Spirit of Texas delivers numerous ancillary services, including treasury management solutions, online and mobile banking platforms for both consumer and commercial clients, safe deposit boxes, wire transfer capabilities, debit cards, and ATM access. The institution also facilitates credit card processing and offers co-branded credit card options. Furthermore, it strategically invests in U.S. Treasury bills and notes, along with securities issued by federally sponsored agencies like the Federal Home Loan Bank. As of February 26, 2022, Spirit of Texas had a significant footprint with 35 locations established across major Texas metropolitan areas including Houston, Dallas/Fort Worth, Bryan/College Station, Austin, San Antonio-New Braunfels, Corpus Christi, and Tyler, complemented by offices in North Central and South Texas. The company caters to a diverse client base, encompassing individuals, professionals, and small, medium, and large commercial businesses. Founded in 2008, Spirit of Texas Bancshares, Inc. is headquartered in Conroe, Texas.
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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Real after-tax yield depends on where you live and how you hold STXB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.76% | -1.04% | $176 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.50% | -1.30% | $150 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.41% | -1.39% | $141 / yr |
| 🇬🇧 UK ISA | 0% | 1.76% | -1.04% | $176 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.61% | -1.19% | $161 / yr |
| 🇨🇦 TFSA | 0% | 1.76% | -1.04% | $176 / yr |
| 🇨🇦 CA Taxable | 25% | 1.32% | -1.48% | $132 / yr |
| 🇦🇺 Super (pension) | 15% | 1.50% | -1.30% | $150 / yr |
| 🇦🇺 AU Taxable | 30% | 1.23% | -1.57% | $123 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.30% | -1.50% | $130 / yr |
| 🇫🇷 FR Taxable | 30% | 1.23% | -1.57% | $123 / 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.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.45/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
STXB pays quarterly — 4 times per year. Next ex-div: TBD.
How STXB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for STXB sourced from FMP /financial-growth endpoint — real data, not estimates.
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 |
|---|---|---|---|---|---|---|
| D-Return | 2022-04-08 | 3,000 | $21.00 | $63.0K | ||
| D-Return | 2022-04-08 | 5,000 | $16.00 | $80.0K | ||
| D-Return | 2022-04-08 | 45,456 | $25.44 | $1.16M | ||
| D-Return | 2022-04-08 | 50,000 | $25.44 | $1.27M | ||
| D-Return | 2022-04-08 | 213,051 | $25.44 | $5.42M | ||
| D-Return | 2022-04-08 | 5,000 | $16.00 | $80.0K | ||
| D-Return | 2022-04-08 | 3,000 | $21.00 | $63.0K | ||
| D-Return | 2022-04-08 | 3,750 | $13.00 | $48.8K | ||
| D-Return | 2022-04-08 | 145,000 | $25.44 | $3.69M | ||
| D-Return | 2022-04-08 | 5,000 | $15.00 | $75.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
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 STXB 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 →
Spirit of Texas Bancshares, Inc. (STXB) is currently trading at $25.55, 13% below its 52-week high. The current dividend yield is 1.76% based on an annual payout of $0.45 per share.
Spirit of Texas Bancshares, Inc. (STXB) is a financial services stock currently trading at $25.55 with a dividend yield of 1.76%. The company pays an annual dividend of $0.45 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
Auto-generated from live market data. For educational purposes only — not financial advice.
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