About FCB Financial Holdings, Inc. (FCB) — Dividend Analysis 2026
FCB is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in FCB shares.
Is FCB a good dividend investment in 2026?
FCB offers a 5.96% forward yield with a 50% payout ratio. Strand Safety Score: 70/100 (Safe). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
FCB DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your FCB portfolio grows to $10.65M vs $10.04M without reinvestment. This is the compound interest effect in action.
FCB dividend growth history & forecast
FCB 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 5.96%.
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum+0.1B → +0.1B → +0.1B
30 / 30 pts
30/30
Net income grew for 2 consecutive years — strong earnings momentum
OVERALL ASSESSMENT
Dividend appears safe — fundamentals solid with moderate concerns.
STRAND SCORE
70
/100
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.
🌍 FCB Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold FCB.
Gross yield
5.96%
Tax rate
15.00%
After-tax yield
5.07%
Real yield (−CPI)
2.27%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
5.96%
3.16%
$596 / yr
🇺🇸 US Taxable (15%) ✓
15%
5.07%
2.27%
$507 / yr
🇺🇸 US Taxable (20%)
20%
4.77%
1.97%
$477 / yr
🇬🇧 UK ISA
0%
5.96%
3.16%
$596 / yr
🇬🇧 UK Taxable
8.75%
5.44%
2.64%
$544 / yr
🇨🇦 TFSA
0%
5.96%
3.16%
$596 / yr
🇨🇦 CA Taxable
25%
4.47%
1.67%
$447 / yr
🇦🇺 Super (pension)
15%
5.07%
2.27%
$507 / yr
🇦🇺 AU Taxable
30%
4.17%
1.37%
$417 / yr
🇩🇪 DE Taxable
26.375%
4.39%
1.59%
$439 / yr
🇫🇷 FR Taxable
30%
4.17%
1.37%
$417 / 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.
🎯 FCB Income Goal & Break-Even
Dividend Break-Even
20yr
Years for dividends to fully repay your FCB investment of $33.58/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$5.3K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$2.8K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in FCB for:
Shares needed
14,118
Capital required
$474,082
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 FCB Dividend Payment Schedule
FCB pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 FCB vs Financial Services Benchmarks
How FCB compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+3.06% vs sectorBetter
FCB
5.96%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
FCB
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
FCB
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for FCB sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ FCB 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
LUTERMAN GERALD
director
D-Return
2019-01-01
10,000
$29.98
$299.8K
LUTERMAN GERALD
director
D-Return
2019-01-01
50,000
$21.00
$1.05M
LUTERMAN GERALD
director
D-Return
2019-01-01
10,000
$23.97
$239.7K
LUTERMAN GERALD
director
D-Return
2019-01-01
16,400
$20.00
$328.0K
LUTERMAN GERALD
director
D-Return
2019-01-01
10,000
$19.75
$197.5K
LUTERMAN GERALD
director
D-Return
2019-01-01
50,000
$20.62
$1.03M
LUTERMAN GERALD
director
D-Return
2019-01-01
5,900
$1.00
$5.9K
LUTERMAN GERALD
director
D-Return
2019-01-01
10,000
$19.25
$192.5K
NOVELLY PAUL A.
director
D-Return
2019-01-01
647,000
$1.00
$647.0K
BERNIKOW ALAN S
director
D-Return
2019-01-01
10,000
$23.97
$239.7K
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
📊 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 FCB 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 →