HomeCompareSTBI vs MCD

STBI vs MCD: Dividend Comparison 2026

STBI yields 2.96% · MCD yields 2.35%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCD wins by $52.6K in total portfolio value· pulled ahead in Year 4
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 →
MCD
McDonald's Corporation
● Live price
2.35%
Share price
$308.53
Annual div
$7.26
5Y div CAGR
42.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.5K
Annual income
$26,227.70
Full MCD calculator →

Portfolio growth — STBI vs MCD

📍 MCD pulled ahead of the other in Year 4

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 PeriodSTBIMCD
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 + MCD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
STBI pays
MCD 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
MCD
Annual income on $10K today (after 15% tax)
$200.01/yr
After 10yr DRIP, annual income (after tax)
$22,293.55/yr
At 15% tax rate, MCD beats the other by $21,709.64/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

STBI: 50%MCD: 50%
100% MCD50/50100% STBI
Portfolio after 10yr
$52.3K
Annual income
$13,457.33/yr
Blended yield
25.75%
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Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

STBI
No analyst data
Altman Z
0.2
Piotroski
5/9
MCD
Analyst Ratings
37
Buy
23
Hold
1
Sell
Consensus: Buy
Price Target
$351.76
+14.0% upside vs current
Range: $320.00 — $385.00
Altman Z
4.9
Piotroski
5/9
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
MCD buys
0
No recent congressional trades found for STBI or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSTBIMCD
Forward yield2.96%2.35%
Annual dividend / share$0.69$7.26
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR6.1%42.3%
Portfolio after 10y$26.0K$78.5K
Annual income after 10y$686.95$26,227.70
Total dividends collected$4.8K$58.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary

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

YearSTBI PortfolioSTBI Income/yrMCD PortfolioMCD Income/yrGap
1$11,014$313.53$10,815$334.85+$199.00STBI
2$12,127$342.40$11,826$491.71+$301.00STBI
3$13,350$373.84$13,123$730.06+$227.00STBI
4← crossover$14,692$408.08$14,853$1,100.07$161.00MCD
5$16,166$445.34$17,257$1,690.61$1.1KMCD
6$17,783$485.89$20,752$2,667.01$3.0KMCD
7$19,558$530.01$26,103$4,354.83$6.5KMCD
8$21,505$578.00$34,794$7,437.78$13.3KMCD
9$23,641$630.20$49,926$13,461.60$26.3KMCD
10$25,983$686.95$78,550$26,227.70$52.6KMCD

STBI vs MCD: 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 →

MCDConsumer Discretionary

McDonald's Corporation operates and franchises McDonald's restaurants in the United States and internationally. Its restaurants offer hamburgers and cheeseburgers, chicken sandwiches and nuggets, wraps, fries, salads, oatmeal, shakes, desserts, sundaes, soft serve cones, bakery items, soft drinks, coffee, and beverages and other beverages, as well as breakfast menu, including biscuit and bagel sandwiches, breakfast burritos, hotcakes, and other sandwiches. As of December 31, 2021, the company operated 40,031 restaurants. McDonald's Corporation was founded in 1940 and is headquartered in Chicago, Illinois.

Full MCD 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.