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Community Bankers Trust Corporation · NASDAQ
Price: $11.30 · Annual div: $0.95/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 ESXB → $1430.43M in 10 years · $117,833,345.72/month
Community Bankers Trust Corporation serves as the parent entity for Essex Bank, a financial institution based in Richmond, Virginia, specializing in commercial banking and related financial offerings. The company maintains a workforce of 255 full-time employees. Essex Bank provides a broad spectrum of financial services to both individual clients and small businesses. Its comprehensive product suite includes various deposit accounts, such as demand and time deposits for personal and commercial use, alongside a diverse portfolio of lending options, encompassing commercial and industrial loans, consumer credit, small business financing, and real estate-backed mortgages. Additionally, the bank facilitates investment services and offers safe deposit box facilities. Further enhancing its financial solutions, Essex Services, Inc., a subsidiary of the Bank, utilizes its team of financial consultants to deliver a range of investment products and alternative strategies. The corporation's operations are structured across three primary business segments: retail and small business banking, commercial and industrial banking, and real estate lending. Its investment portfolio primarily comprises debt instruments issued by the United States Treasury, various U.S. Government agencies (including sponsored enterprises), and securities from state, county, and municipal governments. These lending and investment activities are crucially funded through the deposits gathered from 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 ESXB.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 8.41% | 5.61% | $841 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 7.15% | 4.35% | $715 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 6.73% | 3.93% | $673 / yr |
| 🇬🇧 UK ISA | 0% | 8.41% | 5.61% | $841 / yr |
| 🇬🇧 UK Taxable | 8.75% | 7.67% | 4.87% | $767 / yr |
| 🇨🇦 TFSA | 0% | 8.41% | 5.61% | $841 / yr |
| 🇨🇦 CA Taxable | 25% | 6.31% | 3.51% | $631 / yr |
| 🇦🇺 Super (pension) | 15% | 7.15% | 4.35% | $715 / yr |
| 🇦🇺 AU Taxable | 30% | 5.89% | 3.09% | $589 / yr |
| 🇩🇪 DE Taxable | 26.375% | 6.19% | 3.39% | $619 / yr |
| 🇫🇷 FR Taxable | 30% | 5.89% | 3.09% | $589 / 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 $0.95/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
ESXB pays quarterly — 4 times per year. Next ex-div: TBD.
How ESXB compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ESXB 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 | 2021-12-03 | 49,928.079 | — | — | ||
| D-Return | 2021-12-03 | 6,426.048 | — | — | ||
| D-Return | 2021-12-03 | 88,744.715 | — | — | ||
| D-Return | 2021-12-03 | 33,436 | — | — | ||
| D-Return | 2021-12-03 | 58,510 | — | — | ||
| D-Return | 2021-12-03 | 2,500 | — | — | ||
| Buy | 2021-12-02 | 88.882 | $11.28 | $1.0K | ||
| Buy | 2021-12-02 | 55.082 | $11.52 | $635.00 | ||
| Buy | 2021-12-01 | 137.711 | $11.53 | $1.6K | ||
| A-Award | 2021-12-01 | 807 | — | — |
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 ESXB 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 Bankers Trust Corporation (ESXB) is currently trading at $11.30, 7% below its 52-week high. The current dividend yield is 8.41% based on an annual payout of $0.95 per share.
Community Bankers Trust Corporation (ESXB) is a financial services stock currently trading at $11.30 with a dividend yield of 8.41%. The company pays an annual dividend of $0.95 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
Auto-generated from live market data. For educational purposes only — not financial advice.
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