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Heritage Southeast Bancorporation, Inc. · OTC
Price: $30.84 · Annual div: $15.31/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 HSBI → $1540458060.83M in 10 years · $128,119,555,183,120.31/month
Heritage Southeast Bancorporation, Inc. operates as the bank holding company for Heritage Southeast Bank that provides a range of commercial and consumer banking products and services primarily in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida. The company offers checking and savings, money market, and individual retirement accounts, as well as certificates of deposit; personal, home equity, mortgage, term, small business administration, commercial real estate, and construction loans; personal lines of credit; accounts receivable financing; credit and debit cards; and mobile, online, and telephone banking services, as well as cash management, courier, and remote deposit services. The company was founded in 1995 and is based in Jonesboro, Georgia.
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 HSBI.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 49.66% | 46.86% | $4,966 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 42.21% | 39.41% | $4,221 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 39.73% | 36.93% | $3,973 / yr |
| 🇬🇧 UK ISA | 0% | 49.66% | 46.86% | $4,966 / yr |
| 🇬🇧 UK Taxable | 8.75% | 45.31% | 42.51% | $4,531 / yr |
| 🇨🇦 TFSA | 0% | 49.66% | 46.86% | $4,966 / yr |
| 🇨🇦 CA Taxable | 25% | 37.24% | 34.45% | $3,724 / yr |
| 🇦🇺 Super (pension) | 15% | 42.21% | 39.41% | $4,221 / yr |
| 🇦🇺 AU Taxable | 30% | 34.76% | 31.96% | $3,476 / yr |
| 🇩🇪 DE Taxable | 26.375% | 36.56% | 33.76% | $3,656 / yr |
| 🇫🇷 FR Taxable | 30% | 34.76% | 31.96% | $3,476 / 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 $15.31/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
HSBI pays quarterly — 4 times per year. Next ex-div: TBD.
How HSBI compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for HSBI sourced from FMP /financial-growth endpoint — real data, not estimates.
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 HSBI 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 →
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