CFIN pays a very low or no dividend (Yield: 0.03%). This calculator is designed for income-producing assets. If your goal is passive income and compounding, you might want to look at these popular alternatives:
About Citizens Financial Corporation (CFIN) — Dividend Analysis 2026
Citizens Financial Corporation, through its subsidiary, provides ancillary health insurance products. It also offers administrative services to medical professionals involved in providing on-site treatment to patients in community settings. The company offers group ancillary insurance products, including group dental, group vision, and group life insurance; and individual ancillary insurance products, such as individual dental and individual vision insurance to the senior market. Citizens Financial Corporation was incorporated in 1990 and is based in Louisville, Kentucky.
Is CFIN a good dividend investment in 2026?
CFIN offers a 0.03% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
CFIN DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your CFIN portfolio grows to $35.5K vs $35.5K without reinvestment. This is the compound interest effect in action.
CFIN dividend growth history & forecast
CFIN has grown its dividend by 0% over the last year and 0% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 0.03%.
Company generates negative FCF ($-3M) — 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
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/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.
🌍 CFIN Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CFIN.
Gross yield
0.03%
Tax rate
15.00%
After-tax yield
0.03%
Real yield (−CPI)
-2.77%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
0.03%
-2.77%
$3 / yr
🇺🇸 US Taxable (15%) ✓
15%
0.03%
-2.77%
$3 / yr
🇺🇸 US Taxable (20%)
20%
0.02%
-2.78%
$2 / yr
🇬🇧 UK ISA
0%
0.03%
-2.77%
$3 / yr
🇬🇧 UK Taxable
8.75%
0.03%
-2.77%
$3 / yr
🇨🇦 TFSA
0%
0.03%
-2.77%
$3 / yr
🇨🇦 CA Taxable
25%
0.02%
-2.78%
$2 / yr
🇦🇺 Super (pension)
15%
0.03%
-2.77%
$3 / yr
🇦🇺 AU Taxable
30%
0.02%
-2.78%
$2 / yr
🇩🇪 DE Taxable
26.375%
0.02%
-2.78%
$2 / yr
🇫🇷 FR Taxable
30%
0.02%
-2.78%
$2 / 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.
🎯 CFIN Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your CFIN investment of $7600.00/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$22.38
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-2449.91
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in CFIN for:
Shares needed
14,118
Capital required
$107,296,800
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CFIN Dividend Payment Schedule
CFIN pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 CFIN vs Financial Services Benchmarks
How CFIN compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-2.87% vs sectorBelow avg
CFIN
0.03%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
CFIN
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
CFIN
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CFIN sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CFIN Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
4.29
✅ Safe Zone — low bankruptcy risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
1/9
🔴 Weak fundamentals — dividend safety concern
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 CFIN 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 →