HSBC vs STBI: Which Is the Better Dividend Stock?
As of Oct 18, 2026, HSBC (HSBC Holdings plc) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. HSBC offers the higher yield at 3.97%, STBI has the higher dividend-safety score, and HSBC looks like the better value (its fair-value estimate is 44% above its share price).
Key facts: HSBC vs STBI
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, HSBC Holdings plc (HSBC) has the higher forward dividend yield at 3.97%, versus 2.52% for Sturgis Bancorp, Inc. (STBI).
- As of Oct 18, 2026, SmarterDividends grades HSBC's dividend safety B (72/100) and STBI's A (82/100).
- As of Oct 18, 2026, HSBC pays out 54% of its earnings as dividends and STBI pays out 17%.
- As of Oct 18, 2026, HSBC's fair-value estimate is 44% above its share price and STBI's fair-value estimate is 11% below its share price, so HSBC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HSBC vs STBI: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/hsbc-vs-stbi
| Metric | HSBC | STBI |
|---|---|---|
| Forward yield | 3.97% | 2.52% |
| Annual dividend | $3.75 | $0.72 |
| Payout ratio | 54% | 17% |
| Years of growth | 0 yr | 0 yr |
| 5-yr dividend growth | -13.8% | 1.2% |
| 5-yr total return | 242% | 52% |
| Dividend safety score | 72 (B) | 82 (A) |
| Fair value estimate | $135.99 | $25.30 |
| Upside to fair value | +44% | -11% |
| Frequency | quarterly | quarterly |
| Market cap | $323.4B | $61.9M |
| P/E ratio | 13.5 | 7.0 |
Higher yield
HSBC
3.97%
Safer dividend
STBI
Grade A
Faster growth
STBI
1.2%
Better value
HSBC
+44% upside
HSBC vs STBI — FAQ
Is HSBC or STBI a better dividend stock?
On the data, HSBC wins more head-to-head categories (4 vs 3). HSBC offers the higher yield (3.97%), while STBI has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, HSBC or STBI?
HSBC has the higher forward dividend yield at 3.97%, versus 2.52% for STBI.
Is HSBC or STBI safer?
STBI has the higher dividend-safety score (82/100 vs 72/100), reflecting stronger payout coverage and dividend-growth history.
Is HSBC or STBI better value right now?
As of Oct 18, 2026, HSBC looks like the better value: its fair-value estimate is 44% above its share price (undervalued). For STBI, its fair-value estimate is 11% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.