About Citizens Bancorp Investment, Inc. (CBTN) — Dividend Analysis 2026
Citizens Bancorp Investment, Inc. provides various banking products and services in Tennessee. The company offers checking and savings accounts, certificates of deposits and individual retirement accounts, credit and debit cards, overdrafts, real-time processing, and online and mobile banking services, as well as cash management, and personal and business services for individuals and businesses. It also provides personal, mortgage, construction, agriculture, commercial, and officers loans, as well as wealth management services. The company serves in Bedford, Clay, Coffee, DeKalb, Franklin, Jackson, Macon, Overton, Putnam, Smith, Sumner, and Wilson and surrounding counties in Middle Tennessee through 22 banking offices. Citizens Bancorp Investment, Inc. was founded in 1909 and is based in Lafayette, Tennessee.
Is CBTN a good dividend investment in 2026?
CBTN offers a 2.46% forward yield with a 50% payout ratio. Strand Safety Score: 60/100 (Moderate Risk). The 5-year dividend CAGR of 35.7% demonstrates strong, consistent growth that outpaces inflation.
CBTN DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your CBTN portfolio grows to $10.77M vs $10.26M without reinvestment. This is the compound interest effect in action.
CBTN dividend growth history & forecast
CBTN has grown its dividend by 0% over the last year and 35.7% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 2.46%.
Company generates negative FCF ($0) — borrowing to pay dividends
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.0B → +0.0B → +0.0B
30 / 30 pts
30/30
Net income grew for 2 consecutive years — strong earnings momentum
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
60
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 CBTN Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CBTN.
Gross yield
2.46%
Tax rate
15.00%
After-tax yield
2.09%
Real yield (−CPI)
-0.71%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
2.46%
-0.34%
$246 / yr
🇺🇸 US Taxable (15%) ✓
15%
2.09%
-0.71%
$209 / yr
🇺🇸 US Taxable (20%)
20%
1.97%
-0.83%
$197 / yr
🇬🇧 UK ISA
0%
2.46%
-0.34%
$246 / yr
🇬🇧 UK Taxable
8.75%
2.24%
-0.56%
$224 / yr
🇨🇦 TFSA
0%
2.46%
-0.34%
$246 / yr
🇨🇦 CA Taxable
25%
1.84%
-0.95%
$185 / yr
🇦🇺 Super (pension)
15%
2.09%
-0.71%
$209 / yr
🇦🇺 AU Taxable
30%
1.72%
-1.08%
$172 / yr
🇩🇪 DE Taxable
26.375%
1.81%
-0.99%
$181 / yr
🇫🇷 FR Taxable
30%
1.72%
-1.08%
$172 / 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
Dividend Break-Even
10yr
Years for dividends to fully repay your CBTN investment of $32.50/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$16.7K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$14.2K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in CBTN for:
Shares needed
35,295
Capital required
$1,147,088
Monthly income
$2,000
Based on current dividend of $0.80/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.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$1.70 / payment
$6.80 / year after tax
100 shares
$17.00 / payment
$68.00 / year after tax
1,000 shares
$170.00 / payment
$680.00 / year after tax
📊 CBTN vs Financial Services Benchmarks
How CBTN compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-0.44% vs sectorBelow avg
CBTN
2.46%
avg
2.90%
5Y Dividend CAGR▲+28.60% vs sectorBetter
CBTN
35.70%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
CBTN
50.00%
avg
38.00%
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.
📊 About This Data
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 →