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CYSM Dividend DRIP Calculator 2026
1.61% YieldFinancial ServicesCommunity Bancorp of Santa Maria · OTC
Price: $19.87 · Annual div: $0.32/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Annual dividend income growth
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🎯 When CYSM pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in CYSM → $1.99M in 10 years · $23,266.42/month
About Community Bancorp of Santa Maria (CYSM) — Dividend Analysis 2026
Community Bancorp of Santa Maria, operating through its subsidiary, Community Bank of Santa Maria, offers a comprehensive suite of banking services to both businesses and individual clients. The institution's diverse range of deposit products includes checking, NOW, money market, savings, seedling, Christmas Club, and individual retirement accounts, as well as CDARS and certificates of deposit. Its robust lending portfolio features home equity lines of credit, various real estate loans (personal, commercial, multi-family, and construction), personal and vehicle loans, mortgage options, agribusiness financing, commercial equipment loans, and commercial revolving lines of credit, in addition to its Redi-Credit service. Furthermore, the bank provides credit and debit cards, along with convenient e-banking facilities. The company conducts its operations from two full-service branches located in California's Central Coast region. Established in 2001, its main office is situated in Santa Maria, California.
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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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🌍 CYSM Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CYSM.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.61% | -1.19% | $161 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.37% | -1.43% | $137 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.29% | -1.51% | $129 / yr |
| 🇬🇧 UK ISA | 0% | 1.61% | -1.19% | $161 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.47% | -1.33% | $147 / yr |
| 🇨🇦 TFSA | 0% | 1.61% | -1.19% | $161 / yr |
| 🇨🇦 CA Taxable | 25% | 1.21% | -1.59% | $121 / yr |
| 🇦🇺 Super (pension) | 15% | 1.37% | -1.43% | $137 / yr |
| 🇦🇺 AU Taxable | 30% | 1.13% | -1.67% | $113 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.19% | -1.61% | $119 / yr |
| 🇫🇷 FR Taxable | 30% | 1.13% | -1.67% | $113 / 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.
🎯 CYSM Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.32/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CYSM Dividend Payment Schedule
CYSM pays quarterly — 4 times per year. Next ex-div: TBD.
📊 CYSM vs Financial Services Benchmarks
How CYSM compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CYSM sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CYSM Insider Activity
No recent SEC filings reported in the last 90 days.Financial Health Scores
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.
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 CYSM 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 →
Community Bancorp of Santa Maria (CYSM) is currently trading at $19.87, trading near its 52-week high. The current dividend yield is 1.61% based on an annual payout of $0.32 per share.
CYSM (Community Bancorp of Santa Maria) — 1.61% Dividend Yield Analysis
Community Bancorp of Santa Maria (CYSM) is a financial services stock currently trading at $19.87 with a dividend yield of 1.61%. The company pays an annual dividend of $0.32 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, CYSM has grown its dividend at a compound annual rate of 100.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.