About The Farmers Bank of Appomattox (FBPA) — Dividend Analysis 2026
The Farmers Bank of Appomattox provides personal and business banking products and services. Its deposit products include checking and savings accounts, individual retirement accounts, and certificates of deposit. The company's loan portfolio comprises auto, personal, mortgage, agricultural, equipment, and commercial real estate loans, as well as commercial credit lines. In addition, it offers check, credit, and gift cards, as well as safe deposit box, ATM, cash management, merchant/night deposit, Internet banking, mobile banking, wire transfer, overdraft protection, cashier's check, and savings bonds redemption services. The company serves customers located in the Counties of Appomattox, Buckingham, Campbell, and Prince Edward, Virginia. The Farmers Bank of Appomattox was founded in 1918 and is headquartered in Appomattox, Virginia.
Is FBPA a good dividend investment in 2026?
FBPA offers a 4.11% forward yield with a 50% payout ratio. Strand Safety Score: 85/100 (Very Safe). The 5-year dividend CAGR of 16.7% demonstrates strong, consistent growth that outpaces inflation.
FBPA DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your FBPA portfolio grows to $3.39M vs $3.15M without reinvestment. This is the compound interest effect in action.
FBPA dividend growth history & forecast
FBPA has grown its dividend by 0% over the last year and 16.7% 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 4.11%.
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.
🌍 FBPA Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FBPA.
Gross yield
4.11%
Tax rate
15.00%
After-tax yield
3.49%
Real yield (−CPI)
0.69%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
4.11%
1.31%
$411 / yr
🇺🇸 US Taxable (15%) ✓
15%
3.49%
0.69%
$349 / yr
🇺🇸 US Taxable (20%)
20%
3.29%
0.49%
$329 / yr
🇬🇧 UK ISA
0%
4.11%
1.31%
$411 / yr
🇬🇧 UK Taxable
8.75%
3.75%
0.95%
$375 / yr
🇨🇦 TFSA
0%
4.11%
1.31%
$411 / yr
🇨🇦 CA Taxable
25%
3.08%
0.28%
$308 / yr
🇦🇺 Super (pension)
15%
3.49%
0.69%
$349 / yr
🇦🇺 AU Taxable
30%
2.88%
0.08%
$288 / yr
🇩🇪 DE Taxable
26.375%
3.03%
0.23%
$303 / yr
🇫🇷 FR Taxable
30%
2.88%
0.08%
$288 / 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.
🎯 FBPA Income Goal & Break-Even
Dividend Break-Even
12yr
Years for dividends to fully repay your FBPA investment of $28.00/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$9.5K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$7.0K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in FBPA for:
Shares needed
24,553
Capital required
$687,484
Monthly income
$2,000
Based on current dividend of $1.15/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FBPA Dividend Payment Schedule
FBPA pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$2.44 / payment
$9.78 / year after tax
100 shares
$24.44 / payment
$97.75 / year after tax
1,000 shares
$244.38 / payment
$977.50 / year after tax
📊 FBPA vs Financial Services Benchmarks
How FBPA compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+1.21% vs sectorBetter
FBPA
4.11%
avg
2.90%
5Y Dividend CAGR▲+9.60% vs sectorBetter
FBPA
16.70%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
FBPA
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FBPA sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FBPA Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.30
🔴 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 FBPA 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 →