CBTX, Inc. operates as the bank holding company for CommunityBank of Texas, National Association that provides commercial banking products and services to small and mid-sized businesses, and professionals in the United States. The company offers demand, money market, savings, and time deposit accounts, as well as certificates of deposit; commercial and industrial, commercial real estate, construction and development, 1-4 family residential mortgage, multi-family residential, consumer, and agricultural loans; and treasury and online banking services. It operates through 34 banking locations, including 18 branches in Houston; 15 branches in Beaumont; and one branch in Dallas. The company was formerly known as CBFH, Inc. and changed its name to CBTX, Inc. in September 2017. CBTX, Inc. was incorporated in 2007 and is headquartered in Beaumont, Texas.
Is CBTX a good dividend investment in 2026?
CBTX offers a 5.71% forward yield with a 50% payout ratio. Strand Safety Score: 53/100 (Moderate Risk). The 5-year dividend CAGR of -50% is modest — investors should weigh current income against growth alternatives.
CBTX DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your CBTX portfolio grows to $10.44M vs $10.24M without reinvestment. This is the compound interest effect in action.
CBTX dividend growth history & forecast
CBTX has grown its dividend by 0% over the last year and -50% 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 5.71%.
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.1B → +0.1B → +0.1B
8 / 30 pts
8/30
Net income is positive but trending down — watch for further deterioration
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
53
/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.
🌍 CBTX Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CBTX.
Gross yield
5.71%
Tax rate
15.00%
After-tax yield
4.85%
Real yield (−CPI)
2.05%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
5.71%
2.91%
$571 / yr
🇺🇸 US Taxable (15%) ✓
15%
4.85%
2.05%
$485 / yr
🇺🇸 US Taxable (20%)
20%
4.57%
1.77%
$457 / yr
🇬🇧 UK ISA
0%
5.71%
2.91%
$571 / yr
🇬🇧 UK Taxable
8.75%
5.21%
2.41%
$521 / yr
🇨🇦 TFSA
0%
5.71%
2.91%
$571 / yr
🇨🇦 CA Taxable
25%
4.28%
1.48%
$428 / yr
🇦🇺 Super (pension)
15%
4.85%
2.05%
$485 / yr
🇦🇺 AU Taxable
30%
4.00%
1.20%
$400 / yr
🇩🇪 DE Taxable
26.375%
4.20%
1.40%
$420 / yr
🇫🇷 FR Taxable
30%
4.00%
1.20%
$400 / 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.
🎯 CBTX Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your CBTX investment of $29.25/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$488.19
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-1984.11
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in CBTX for:
Shares needed
16,908
Capital required
$494,559
Monthly income
$2,000
Based on current dividend of $1.67/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CBTX Dividend Payment Schedule
CBTX pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$3.55 / payment
$14.20 / year after tax
100 shares
$35.49 / payment
$141.95 / year after tax
1,000 shares
$354.88 / payment
$1419.50 / year after tax
📊 CBTX vs Financial Services Benchmarks
How CBTX compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+2.81% vs sectorBetter
CBTX
5.71%
avg
2.90%
5Y Dividend CAGR▼-57.10% vs sectorBelow avg
CBTX
-50.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
CBTX
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CBTX sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CBTX Insider Activity
▼ 2 Sales
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
Insider
Title
Type
Date
Shares
Price
Total Value
Akin Okan I.
officer: Senior Executive VP, CRO
M-Exempt
2023-12-04
11,200
$14.11
$158.0K
Akin Okan I.
officer: Senior Executive VP, CRO
Sale
2023-12-04
11,200
$25.40
$284.4K
Akin Okan I.
officer: Senior Executive VP, CRO
M-Exempt
2023-12-04
11,200
$14.11
$158.0K
Egge Paul P
officer: Senior Executive VP, CFO
Sale
2023-11-06
4,000
$23.27
$93.1K
Egge Paul P
officer: Senior Executive VP, CFO
F-InKind
2023-10-01
1,513
$21.32
$32.3K
Retzloff Steven F.
director, officer: Executive Chairman
F-InKind
2023-10-01
918
$21.32
$19.6K
Vitulli, III Ramon A.
officer: President
F-InKind
2023-10-01
1,803
$21.32
$38.4K
Akin Okan I.
officer: Senior Executive VP, CRO
F-InKind
2023-10-01
1,462
$21.32
$31.2K
Long Justin M
officer: SEVP, GC & Secretary
F-InKind
2023-10-01
1,391
$21.32
$29.7K
Franklin Robert R Jr
director, officer: Chief Executive Officer
F-InKind
2023-10-01
1,077
$21.32
$23.0K
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
🔬
Financial Health Scores
Altman Z-Score
0.46
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
5/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 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 CBTX 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 →