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Central Bank Corporation · OTC
Price: $30.00 · Annual div: $1.00/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 CBSU → $13.9K in 10 years · $37.31/month
Central Bank Corporation functions as the parent entity for Central Savings Bank, a financial institution primarily serving both individual and corporate clients across Michigan. The bank offers a comprehensive suite of deposit products, including checking and savings accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). Its extensive lending portfolio caters to diverse needs, encompassing residential mortgages such as home equity, house, construction, and vacant land loans, along with home equity lines of credit. For consumers, the bank provides financing for automobiles, boats, recreational vehicles, off-road vehicles, and farm equipment, in addition to vacation and debt consolidation options, and personal reserve accounts. On the commercial front, Central Savings Bank extends financing for real estate acquisitions, equipment purchases, and working capital needs, often leveraging Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, the company furnishes a wide array of auxiliary services, including payroll processing, wire transfers, stop payment orders, money orders, and rental collection services. Other offerings include Christmas Club accounts, Canadian drafts, gift checks, notary services, safe deposit boxes, land contract administration, night depository facilities, and online bill payment. Customers also benefit from modern digital conveniences such as debit and credit cards, alongside robust internet and mobile banking platforms. Established in 1902, the corporation maintains its headquarters in Sault Sainte Marie, Michigan.
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 CBSU.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.33% | 0.53% | $333 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.83% | 0.03% | $283 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.66% | -0.14% | $266 / yr |
| 🇬🇧 UK ISA | 0% | 3.33% | 0.53% | $333 / yr |
| 🇬🇧 UK Taxable | 8.75% | 3.04% | 0.24% | $304 / yr |
| 🇨🇦 TFSA | 0% | 3.33% | 0.53% | $333 / yr |
| 🇨🇦 CA Taxable | 25% | 2.50% | -0.30% | $250 / yr |
| 🇦🇺 Super (pension) | 15% | 2.83% | 0.03% | $283 / yr |
| 🇦🇺 AU Taxable | 30% | 2.33% | -0.47% | $233 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.45% | -0.35% | $245 / yr |
| 🇫🇷 FR Taxable | 30% | 2.33% | -0.47% | $233 / 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 $1.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
CBSU pays quarterly — 4 times per year. Next ex-div: TBD.
How CBSU compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CBSU sourced from FMP /financial-growth endpoint — real data, not estimates.
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 CBSU 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 →
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