About Eagle Financial Bancorp, Inc. (EFBI) — Dividend Analysis 2026
Eagle Financial Bancorp, Inc. operates as the bank holding company for EAGLE.bank that provides banking products and services. It offers deposits, such as checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit accounts; and loan products, including one-to four-family residential real estate, commercial real estate and land, construction, multi-family real estate, home equity and other consumer loans, as well as lines of credit. The company also provides bill payment services and e-statements; ATM/debit and credit cards; wire transfer and direct teller services; and online banking, and mobile banking and deposit services. It operates through its Bridgetown, Delhi, and Hyde Park branches. The company was founded in 1882 and is based in Cincinnati, Ohio.
Is EFBI a good dividend investment in 2026?
EFBI offers a 1.85% forward yield with a 50% payout ratio. Strand Safety Score: 85/100 (Very Safe). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
EFBI DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your EFBI portfolio grows to $10.43M vs $10.24M without reinvestment. This is the compound interest effect in action.
EFBI dividend growth history & forecast
EFBI 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 1.85%.
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.
🌍 EFBI Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold EFBI.
Gross yield
1.85%
Tax rate
15.00%
After-tax yield
1.57%
Real yield (−CPI)
-1.23%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
1.85%
-0.95%
$185 / yr
🇺🇸 US Taxable (15%) ✓
15%
1.57%
-1.23%
$157 / yr
🇺🇸 US Taxable (20%)
20%
1.48%
-1.32%
$148 / yr
🇬🇧 UK ISA
0%
1.85%
-0.95%
$185 / yr
🇬🇧 UK Taxable
8.75%
1.69%
-1.11%
$169 / yr
🇨🇦 TFSA
0%
1.85%
-0.95%
$185 / yr
🇨🇦 CA Taxable
25%
1.39%
-1.41%
$139 / yr
🇦🇺 Super (pension)
15%
1.57%
-1.23%
$157 / yr
🇦🇺 AU Taxable
30%
1.29%
-1.50%
$130 / yr
🇩🇪 DE Taxable
26.375%
1.36%
-1.44%
$136 / yr
🇫🇷 FR Taxable
30%
1.29%
-1.50%
$130 / 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.
🎯 EFBI Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your EFBI investment of $17.32/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
$-882.03
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in EFBI for:
Shares needed
88,236
Capital required
$1,528,248
Monthly income
$2,000
Based on current dividend of $0.32/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 EFBI Dividend Payment Schedule
EFBI pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$0.68 / payment
$2.72 / year after tax
100 shares
$6.80 / payment
$27.20 / year after tax
1,000 shares
$68.00 / payment
$272.00 / year after tax
📊 EFBI vs Financial Services Benchmarks
How EFBI compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-1.05% vs sectorBelow avg
EFBI
1.85%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
EFBI
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
EFBI
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for EFBI sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ EFBI Insider Activity
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
Koester Gary J
director, officer: President and CEO
A-Award
2018-10-04
35,480
$15.75
$558.8K
Koester Gary J
director, officer: President and CEO
A-Award
2018-10-04
13,550
—
—
Walter Patricia L.
officer: EVP
A-Award
2018-10-04
20,970
$15.75
$330.3K
Walter Patricia L.
officer: EVP
A-Award
2018-10-04
8,390
—
—
McCleese Wilford R
officer: Vice President
A-Award
2018-10-04
3,226
$15.75
$50.8K
McCleese Wilford R
officer: Vice President
A-Award
2018-10-04
1,290
—
—
Schramm Kevin R
officer: VP and CFO
A-Award
2018-10-04
9,680
$15.75
$152.5K
Schramm Kevin R
officer: VP and CFO
A-Award
2018-10-04
3,870
—
—
Dulle Steven J
director
A-Award
2018-09-18
6,451
$15.89
$102.5K
Dulle Steven J
director
A-Award
2018-09-18
2,580
—
—
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
🔬
Financial Health Scores
Altman Z-Score
0.29
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
4/9
⚠️ Moderate fundamentals
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 EFBI 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 →