About Elmira Savings Bank (ESBK) — Dividend Analysis 2026
Elmira Savings Bank provides financial services to consumers and businesses. It offers savings and money market accounts, time deposits, retail and commercial checking accounts, and NOW accounts; certificates of deposit; residential and commercial real estate, construction, commercial loans, as well as consumer loans, comprising of installment loans, overdraft line of credit, and home equity loans; and mortgage loans secured by first and second liens on one-to-four family residences. The company also operates a real estate investment trust; and provides financial planning advisory services. The company operates through a network of twelve full-service offices located in Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties; and one limited service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.
Is ESBK a good dividend investment in 2026?
ESBK offers a 69.69% forward yield with a 50% payout ratio. Strand Safety Score: 85/100 (Very Safe). The 5-year dividend CAGR of -42.4% is modest — investors should weigh current income against growth alternatives.
ESBK DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your ESBK portfolio grows to $12.6K vs $14.0K without reinvestment. This is the compound interest effect in action.
ESBK dividend growth history & forecast
ESBK has grown its dividend by 0% over the last year and -42.4% 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 69.69%.
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.
🌍 ESBK Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold ESBK.
Gross yield
69.69%
Tax rate
15.00%
After-tax yield
59.24%
Real yield (−CPI)
56.44%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
69.69%
66.89%
$6,969 / yr
🇺🇸 US Taxable (15%) ✓
15%
59.24%
56.44%
$5,924 / yr
🇺🇸 US Taxable (20%)
20%
55.75%
52.95%
$5,575 / yr
🇬🇧 UK ISA
0%
69.69%
66.89%
$6,969 / yr
🇬🇧 UK Taxable
8.75%
63.59%
60.79%
$6,359 / yr
🇨🇦 TFSA
0%
69.69%
66.89%
$6,969 / yr
🇨🇦 CA Taxable
25%
52.27%
49.47%
$5,227 / yr
🇦🇺 Super (pension)
15%
59.24%
56.44%
$5,924 / yr
🇦🇺 AU Taxable
30%
48.78%
45.98%
$4,878 / yr
🇩🇪 DE Taxable
26.375%
51.31%
48.51%
$5,131 / yr
🇫🇷 FR Taxable
30%
48.78%
45.98%
$4,878 / 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.
🎯 ESBK Income Goal & Break-Even
Dividend Break-Even
3yr
Years for dividends to fully repay your ESBK investment of $23.08/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$11.1K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$8.7K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in ESBK for:
Shares needed
1,756
Capital required
$40,528
Monthly income
$2,000
Based on current dividend of $16.08/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 ESBK Dividend Payment Schedule
ESBK pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$34.18 / payment
$136.72 / year after tax
100 shares
$341.80 / payment
$1367.19 / year after tax
1,000 shares
$3417.98 / payment
$13671.93 / year after tax
📊 ESBK vs Financial Services Benchmarks
How ESBK compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+66.79% vs sectorBetter
ESBK
69.69%
avg
2.90%
5Y Dividend CAGR▼-49.50% vs sectorBelow avg
ESBK
-42.40%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
ESBK
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ESBK sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ ESBK Insider Activity
No recent SEC filings reported in the last 90 days.
📊 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 ESBK 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 →