About Citizens Commerce Bancshares, Inc. (CCVS) — Dividend Analysis 2026
Citizens Commerce Bancshares, Inc. operates as the bank holding for Citizens Commerce Bank that provides banking products and services. The company accepts checking, savings, retirement, and money market accounts. Its loan products include personal, automobile, mortgage, home equity, commercial, and real estate loans. The company also offers debit and credit cards; and cash management, remote deposit capture, merchant, night depository, bill pay, wire transfer, safe deposit boxes, overdraft, and online and mobile banking services. It operates five full service locations, including two in Versailles, one in Frankfort, one in Nicholasville, and one in Lexington. Citizens Commerce Bancshares, Inc. was founded 1996 and is headquartered in Versailles, Kentucky.
Is CCVS a good dividend investment in 2026?
CCVS offers a 1.81% forward yield with a 50% payout ratio. Strand Safety Score: N/A. The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
CCVS DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your CCVS portfolio grows to $12.0K vs $11.8K without reinvestment. This is the compound interest effect in action.
CCVS dividend growth history & forecast
CCVS has grown its dividend by 0% over the last year and 0% 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 1.81%.
ETFs do not file income statements or cash flow statements. Their dividend safety depends on the underlying index quality, fund methodology, and holdings composition. Use the Holdings page to analyze individual stocks in this fund.
🌍 CCVS Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CCVS.
Gross yield
1.81%
Tax rate
15.00%
After-tax yield
1.54%
Real yield (−CPI)
-1.26%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
1.81%
-0.99%
$181 / yr
🇺🇸 US Taxable (15%) ✓
15%
1.54%
-1.26%
$154 / yr
🇺🇸 US Taxable (20%)
20%
1.45%
-1.35%
$145 / yr
🇬🇧 UK ISA
0%
1.81%
-0.99%
$181 / yr
🇬🇧 UK Taxable
8.75%
1.65%
-1.15%
$165 / yr
🇨🇦 TFSA
0%
1.81%
-0.99%
$181 / yr
🇨🇦 CA Taxable
25%
1.36%
-1.44%
$136 / yr
🇦🇺 Super (pension)
15%
1.54%
-1.26%
$154 / yr
🇦🇺 AU Taxable
30%
1.27%
-1.53%
$127 / yr
🇩🇪 DE Taxable
26.375%
1.33%
-1.47%
$133 / yr
🇫🇷 FR Taxable
30%
1.27%
-1.53%
$127 / 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.
🎯 CCVS Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your CCVS investment of $15.50/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$1.6K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-826.25
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in CCVS for:
Shares needed
100,841
Capital required
$1,563,036
Monthly income
$2,000
Based on current dividend of $0.28/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CCVS Dividend Payment Schedule
CCVS pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$0.60 / payment
$2.38 / year after tax
100 shares
$5.95 / payment
$23.80 / year after tax
1,000 shares
$59.50 / payment
$238.00 / year after tax
📊 CCVS vs Financial Services Benchmarks
How CCVS compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-1.09% vs sectorBelow avg
CCVS
1.81%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
CCVS
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
CCVS
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CCVS sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CCVS 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 CCVS 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 →