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CBTN Dividend DRIP Calculator 2026
2.23% YieldFinancial ServicesCitizens Bancorp Investment, Inc. · OTC
Price: $35.50 · Annual div: $0.79/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When CBTN pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in CBTN → $10.72M in 10 years · $398.76/month
About Citizens Bancorp Investment, Inc. (CBTN) — Dividend Analysis 2026
Citizens Bancorp Investment, Inc. is a Tennessee-based financial institution offering a comprehensive range of banking and financial services. Its core offerings include essential deposit accounts like checking and savings, alongside certificates of deposit (CDs) and individual retirement accounts (IRAs). Clients also benefit from modern conveniences such as credit and debit cards, overdraft facilities, instant transaction processing, and accessible digital banking through online and mobile platforms. The company further provides tailored cash management and various personal and business solutions designed for both individual and commercial customers. Beyond these, the institution facilitates diverse lending options, including personal, mortgage, construction, agricultural, commercial, and officers' loans. Wealth management services are also a key component of their portfolio. With a network of 22 banking offices, the company predominantly serves Bedford, Clay, Coffee, DeKalb, Franklin, Jackson, Macon, Overton, Putnam, Smith, Sumner, and Wilson counties, as well as neighboring areas throughout Middle Tennessee. Citizens Bancorp Investment, Inc. was founded in 1909 and is headquartered in Lafayette, Tennessee.
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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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🌍 CBTN Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CBTN.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.23% | -0.57% | $223 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.90% | -0.90% | $190 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.78% | -1.02% | $178 / yr |
| 🇬🇧 UK ISA | 0% | 2.23% | -0.57% | $223 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.03% | -0.77% | $203 / yr |
| 🇨🇦 TFSA | 0% | 2.23% | -0.57% | $223 / yr |
| 🇨🇦 CA Taxable | 25% | 1.67% | -1.13% | $167 / yr |
| 🇦🇺 Super (pension) | 15% | 1.90% | -0.90% | $190 / yr |
| 🇦🇺 AU Taxable | 30% | 1.56% | -1.24% | $156 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.64% | -1.16% | $164 / yr |
| 🇫🇷 FR Taxable | 30% | 1.56% | -1.24% | $156 / 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.
🎯 CBTN Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.79/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CBTN Dividend Payment Schedule
CBTN pays quarterly — 4 times per year. Next ex-div: TBD.
📊 CBTN vs Financial Services Benchmarks
How CBTN compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CBTN sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CBTN Insider Activity
No recent SEC filings reported in the last 90 days.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 CBTN 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 →
Citizens Bancorp Investment, Inc. (CBTN) is currently trading at $35.50, 26% below its 52-week high. The current dividend yield is 2.23% based on an annual payout of $0.79 per share.
CBTN (Citizens Bancorp Investment, Inc.) — 2.23% Dividend Yield Analysis
Citizens Bancorp Investment, Inc. (CBTN) is a financial services stock currently trading at $35.50 with a dividend yield of 2.23%. The company pays an annual dividend of $0.79 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, CBTN has grown its dividend at a compound annual rate of 35.3%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.