What is IBCPO's current dividend yield?

IBCPO (IBC Capital Finance II, 8.25% Cumul Trust Preferred Securities) yields 8.02% based on an annual dividend of $2.00 per share at a stock price of $24.95. Dividends are paid quarterly.

How much does $10,000 in IBCPO generate in dividends?

$10,000 invested in IBCPO at 8.02% yield generates approximately $801.60 per year, or $66.80 per month in dividend income. With DRIP reinvestment, this compounds significantly over time.

How much does $50,000 in IBCPO pay in dividends?

$50,000 in IBCPO generates approximately $4008.02 per year at the current 8.02% yield.

Is IBCPO a good dividend stock in 2026?

IBCPO pays quarterly dividends with a 8.02% yield and 50% payout ratio. The 5-year dividend CAGR is 5%. The 50% payout ratio is considered sustainable. This is not financial advice.

Home › Calculator › IBCPO Dividend Calculator 2026

IBCPO Dividend DRIP Calculator 2026

8.02% YieldFinancial Services

IBC Capital Finance II, 8.25% Cumul Trust Preferred Securities · NASDAQ

Price: $24.95 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD

Annual dividend

$2.00

per share

Forward yield

8.02%

at current price

1Y div growth

+0%

CAGR

5Y div growth

+0%

CAGR

Payout ratio

50%

Sustainable

Calculator settings

ACCOUNT TYPE

INITIAL INVESTMENT

MONTHLY CONTRIBUTION$0/mo

$0$500$1k$2k

INVESTMENT HORIZON10 years

1y10y20y30y

PRICE GROWTH / YEAR100%

DIVIDEND GROWTH / YEAR0%

DRIP Reinvestment

Auto-reinvest all dividends

Monthly passive income

$72.29

after 10 years · DRIP ✓

Yield on cost: 8.67%

Annual dividend income

$867.46

after 10 years

Total dividends: $8.5K

Real Yield · Inflation Adjusted

+5.22%= 8.02% yield − 2.8% CPI

iCalculated by subtracting the current 12-month CPI (2.8%) from the forward yield. Yield exceeds inflation — purchasing power is growing.

Portfolio (DRIP)

$11.08M

Portfolio (no DRIP)

$10.25M

DRIP bonus

+$834.1K

Total return

+110721.6%

📊 See how IBCPO actually performed since 2021 →

Real historical prices · DRIP simulation · DCA backtest

Last 5 Years →

Year-by-year projection

DRIP ON ✓ · Roth IRA / ISA

Year	Shares	Annual income	Monthly income	Portfolio value	Yield on cost	Cumul. dividends
1	416.87	$801.60	$66.80	$20,802	8.02%	$802
2	425.22	$833.73	$69.48	$42,437	8.34%	$1,635
3	429.48	$850.44	$70.87	$85,724	8.5%	$2,486
4	431.63	$858.96	$71.58	$172,308	8.59%	$3,345
5	432.71	$863.26	$71.94	$345,478	8.63%	$4,208
6	433.26	$865.43	$72.12	$691,822	8.65%	$5,073
7	433.53	$866.51	$72.21	$1,384,511	8.67%	$5,940
8	433.66	$867.05	$72.25	$2,769,889	8.67%	$6,807
9	433.73	$867.33	$72.28	$5,540,646	8.67%	$7,674
10	433.76	$867.46	$72.29	$11,082,160	8.67%	$8,542

Portfolio growth: DRIP vs No DRIP

Annual dividend income growth

💡 What-if scenarios

Click to apply scenario to the calculator

☕

Daily coffee money

+$150/mo for 15 years

$416.86M

$84.98/month income

DCA bonus vs no DCA: +$62.21M

📱

Skip one gadget/mo

+$100/mo for 20 years

$12676.11M

$80.75/month income

DCA bonus vs no DCA: +$1327.09M

🚀

Serious wealth mode

+$500/mo for 25 years

$575503.21M

$114.57/month income

DCA bonus vs no DCA: +$212334.58M

🎯 When IBCPO pays your bills

Year your monthly dividend income covers each expense (based on current settings)

📺

Netflix

$18/month

✓ Year 1

🎵

Spotify

$11/month

✓ Year 1

📱

Phone bill

$60/month

✓ Year 1

🛒

Gas & groceries

$300/month

Increase investment or time

🚗

Car payment

$500/month

Increase investment or time

🏠

Rent (avg US)

$1,500/month

Increase investment or time

🏝️

Financial freedom

$5,000/month

Increase investment or time

Share your IBCPO snowball 📈

$10,000 in IBCPO → $11.08M in 10 years · $72.29/month

Post on X

About IBC Capital Finance II, 8.25% Cumul Trust Preferred Securities (IBCPO) — Dividend Analysis 2026

IBCPO is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in IBCPO shares.

Is IBCPO a good dividend investment in 2026?

IBCPO offers a 8.02% forward yield with a 50% payout ratio. Strand Safety Score: 100/100 (Very Safe). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.

IBCPO DRIP calculator — what's the difference?

With DRIP on a $10,000 investment over 10 years, your IBCPO portfolio grows to $11.08M vs $10.25M without reinvestment. This is the compound interest effect in action.

IBCPO dividend growth history & forecast

IBCPO 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 8.02%.

Compare IBCPO with similar stocks

⚖️ Compare IBCPO vs SCHD →

Expert Reviewed byVictor StrandVERIFIED

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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🛡️ Dividend Safety Analysis

Strand Safety Score™ — IBCPO

Proprietary model · FCF Coverage (40) · Debt Leverage (30) · Earnings Momentum (30)

100

/100

Very Safe

Cash Flow Coverage14522000.0× coverage

40 / 40 pts

40/40

FCF covers dividends 14522000.0× — dividend is highly sustainable (FCF: $29M · Dividends est.: $2)

Debt Leverage0.0× Debt/EBITDA

30 / 30 pts

30/30

Debt/EBITDA 0.0× — low leverage, balance sheet is strong

Earnings Momentum+0.0B → +0.0B → +0.0B

30 / 30 pts

30/30

Net income grew for 2 consecutive years — strong earnings momentum

OVERALL ASSESSMENT

Dividend appears highly secure — strong FCF coverage with healthy balance sheet.

STRAND SCORE

100

/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.

🌍 IBCPO Yield by Country & Account Type

Real after-tax yield depends on where you live and how you hold IBCPO.

Gross yield

8.02%

Tax rate

15.00%

After-tax yield

6.82%

Real yield (−CPI)

4.02%

Account/Country	Tax Rate	After-tax Yield	Real Yield	$10K Annual Income
🇺🇸 Roth IRA / 401k	0%	8.02%	5.22%	$802 / yr
🇺🇸 US Taxable (15%) ✓	15%	6.82%	4.02%	$682 / yr
🇺🇸 US Taxable (20%)	20%	6.42%	3.62%	$642 / yr
🇬🇧 UK ISA	0%	8.02%	5.22%	$802 / yr
🇬🇧 UK Taxable	8.75%	7.32%	4.52%	$732 / yr
🇨🇦 TFSA	0%	8.02%	5.22%	$802 / yr
🇨🇦 CA Taxable	25%	6.01%	3.21%	$602 / yr
🇦🇺 Super (pension)	15%	6.82%	4.02%	$682 / yr
🇦🇺 AU Taxable	30%	5.61%	2.81%	$561 / yr
🇩🇪 DE Taxable	26.375%	5.90%	3.10%	$590 / yr
🇫🇷 FR Taxable	30%	5.61%	2.81%	$561 / 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.

🎯 IBCPO Income Goal & Break-Even

Dividend Break-Even

15yr

Years for dividends to fully repay your IBCPO investment of $24.95/share (🇺🇸 US Taxable (15%) · 15.00% tax)

$10K invested · 10 Years

Dividends earned (DRIP)

$7.2K

Lost to inflation (2.8% CPI)

−$2.5K

Real purchasing power gain

$4.7K

12-month CPI (US BLS via FMP economic-indicators).

How much do I need to invest in IBCPO for:

Shares needed

14,118

Capital required

$352,244

Monthly income

$2,000

Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).

📅 IBCPO Dividend Payment Schedule

IBCPO 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

📊 IBCPO vs Financial Services Benchmarks

How IBCPO compares to typical Financial Services averages.

Benchmark: Financial Services

Dividend Yield▲+5.12% vs sectorBetter

IBCPO

8.02%

avg

2.90%

5Y Dividend CAGR▼-7.10% vs sectorBelow avg

IBCPO

0.00%

avg

7.10%

Payout Ratio▼+12.00% vs sectorBelow avg

IBCPO

50.00%

avg

38.00%

Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for IBCPO sourced from FMP /financial-growth endpoint — real data, not estimates.

🏛️ IBCPO 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.

🔄 Updated daily🔒 SEC EDGAR source✍️ Reviewed by Victor Strand

📊 Data via FMP🔒 SEC EDGAR🔄 Updated daily✍️ Reviewed by Victor Strand 📬 Report data error

Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the IBCPO 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 →