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Cortland Bancorp · NASDAQ
Price: $28.47 · Annual div: $11.44/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 CLDB → $211474.85M in 10 years · $16,101,978,879.44/month
Cortland Bancorp, Inc. operates as a financial holding entity, delivering a broad spectrum of commercial and consumer banking solutions primarily through its core operating subsidiary, The Cortland Savings and Banking Company. This corporation, headquartered in Cortland, Ohio, currently employs a staff of 144 full-time individuals. The Bancorp's central role involves the ownership, oversight, and management of The Cortland Savings and Banking Company, frequently referred to as Cortland Banks or simply the Bank. Its operations are predominantly focused within the commercial banking sector. As a state-chartered institution, the Bank is actively engaged in both commercial and retail financial services. Its extensive range of banking products encompasses checking, savings, and time deposit accounts, along with various lending options including commercial, mortgage, and installment loans. Customers also benefit from conveniences such as night depository services, automated teller machines, safe deposit boxes, and a variety of other auxiliary offerings. Furthermore, the Bank extends its services to include brokerage and investment solutions for its clientele through a strategic partnership with Investment Professionals, Inc. Under this collaboration, financial advisors provide clients with a diverse portfolio of investment instruments, covering areas like estate planning guidance, annuities, life insurance policies, fixed income products, equity investments, and comprehensive equity research and advisory services. In addition, the Bank, working with Investment Professionals, Inc., also offers asset management capabilities to its customers.
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 CLDB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 40.19% | 37.39% | $4,019 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 34.16% | 31.36% | $3,416 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 32.15% | 29.35% | $3,215 / yr |
| 🇬🇧 UK ISA | 0% | 40.19% | 37.39% | $4,019 / yr |
| 🇬🇧 UK Taxable | 8.75% | 36.67% | 33.87% | $3,667 / yr |
| 🇨🇦 TFSA | 0% | 40.19% | 37.39% | $4,019 / yr |
| 🇨🇦 CA Taxable | 25% | 30.14% | 27.34% | $3,014 / yr |
| 🇦🇺 Super (pension) | 15% | 34.16% | 31.36% | $3,416 / yr |
| 🇦🇺 AU Taxable | 30% | 28.13% | 25.33% | $2,813 / yr |
| 🇩🇪 DE Taxable | 26.375% | 29.59% | 26.79% | $2,959 / yr |
| 🇫🇷 FR Taxable | 30% | 28.13% | 25.33% | $2,813 / 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 $11.44/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
CLDB pays quarterly — 4 times per year. Next ex-div: TBD.
How CLDB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CLDB sourced from FMP /financial-growth endpoint — real data, not estimates.
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 |
|---|---|---|---|---|---|---|
| D-Return | 2021-11-01 | 26,938 | $18.95 | $510.5K | ||
| D-Return | 2021-11-01 | 5.331 | $18.95 | $101.00 | ||
| D-Return | 2021-11-01 | 418.259 | $18.95 | $7.9K | ||
| D-Return | 2021-11-01 | 5,459 | $18.95 | $103.4K | ||
| D-Return | 2021-11-01 | 12,608.664 | $18.95 | $238.9K | ||
| D-Return | 2021-11-01 | 11,992.498 | $18.95 | $227.3K | ||
| D-Return | 2021-11-01 | 14,582.277 | $18.95 | $276.3K | ||
| D-Return | 2021-11-01 | 12,639.345 | $18.95 | $239.5K | ||
| D-Return | 2021-11-01 | 11,484.365 | $18.95 | $217.6K | ||
| D-Return | 2021-11-01 | 190,624.622 | $18.95 | $3.61M |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
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 CLDB 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 →
Cortland Bancorp (CLDB) is currently trading at $28.47, trading near its 52-week high. The current dividend yield is 40.19% based on an annual payout of $11.44 per share.
Cortland Bancorp (CLDB) is a financial services stock currently trading at $28.47 with a dividend yield of 40.19%. The company pays an annual dividend of $11.44 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, CLDB has grown its dividend at a compound annual rate of 100.0%.
Auto-generated from live market data. For educational purposes only — not financial advice.
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