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Citizens Commerce Bancshares, Inc. · OTC
Price: $15.50 · Annual div: $0.28/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 CCVS → $12.0K in 10 years · $17.69/month
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.
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 CCVS.
| 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.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.28/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
CCVS pays quarterly — 4 times per year. Next ex-div: TBD.
How CCVS compares to typical Financial Services averages.
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.
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 →
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