HomeCompareSTBI vs ARCC

STBI vs ARCC: Dividend Comparison 2026

STBI yields 2.96% · ARCC yields 10.65%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 STBI wins by $1.5K in total portfolio value· pulled ahead in Year 6
10 years
STBI
STBI
● Live price
2.96%
Share price
$23.35
Annual div
$0.69
5Y div CAGR
6.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.0K
Annual income
$686.95
Full STBI calculator →
ARCC
Ares Capital Corporation
● Live price
10.65%
Share price
$18.02
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.14
Full ARCC calculator →

Portfolio growth — STBI vs ARCC

📍 STBI pulled ahead of the other in Year 6

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodSTBIARCC
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, STBI + ARCC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
STBI pays
ARCC pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

STBI
Annual income on $10K today (after 15% tax)
$251.18/yr
After 10yr DRIP, annual income (after tax)
$583.91/yr
ARCC
Annual income on $10K today (after 15% tax)
$905.66/yr
After 10yr DRIP, annual income (after tax)
$0.97/yr
At 15% tax rate, STBI beats the other by $582.94/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of STBI + ARCC for your $10,000?

STBI: 50%ARCC: 50%
100% ARCC50/50100% STBI
Portfolio after 10yr
$25.2K
Annual income
$344.05/yr
Blended yield
1.36%
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Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

STBI
No analyst data
Altman Z
0.2
Piotroski
5/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+21.4% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

STBI buys
0
ARCC buys
0
No recent congressional trades found for STBI or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSTBIARCC
Forward yield2.96%10.65%
Annual dividend / share$0.69$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR6.1%-50%
Portfolio after 10y$26.0K$24.5K
Annual income after 10y$686.95$1.14
Total dividends collected$4.8K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC

Year-by-year: STBI vs ARCC ($10,000, DRIP)

YearSTBI PortfolioSTBI Income/yrARCC PortfolioARCC Income/yrGap
1$11,014$313.53$11,373$532.74$359.00ARCC
2$12,127$342.40$12,608$279.46$481.00ARCC
3$13,350$373.84$13,809$142.90$459.00ARCC
4$14,692$408.08$15,042$72.20$350.00ARCC
5$16,166$445.34$16,341$36.27$175.00ARCC
6← crossover$17,783$485.89$17,732$18.18+$51.00STBI
7$19,558$530.01$19,231$9.10+$327.00STBI
8$21,505$578.00$20,851$4.55+$654.00STBI
9$23,641$630.20$22,605$2.28+$1.0KSTBI
10$25,983$686.95$24,504$1.14+$1.5KSTBI

STBI vs ARCC: Complete Analysis 2026

STBIStock

Sturgis Bancorp, Inc. operates as the bank holding company for Sturgis Bank & Trust Company that provides banking products and services in Michigan, the United States. The company offers checking, savings and health savings, and money market accounts; and certificates of deposit and individual retirement accounts. It also provides mortgage, automobile, savings secured, personal, home equity, equipment and machinery, government supported, and commercial real estate loans, as well as home equity lines of credit and business lines of credit; and credit cards. In addition, the company offers private banking, cashier checks, wire transfers, foreign drafts and foreign currency, overdraft protection, night depository, and notary services, as well as safe deposit boxes and residential mortgages. Further, it provides direct deposit, remote deposit capture, Visa check card, and checks reorder services; and investment and financial-advisory services, as well as commercial and consumer insurance and title insurance products. Additionally, the company offers estate and asset management services, such as estate settlements, trust administration, record keeping, investment management, and custody services; cash and treasury management; and online and mobile banking, bill pay, and mobile wallet services. It operates through 14 bank facilities and 4 full service standalone ATMs located in 12 communities in Michigan. Sturgis Bancorp, Inc. was founded in 1905 and is headquartered in Sturgis, Michigan.

Full STBI Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.