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KS Bancorp, Inc. · OTC
Price: $72.00 · Annual div: $1.16/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 KSBI → $12.01M in 10 years · $15,875.05/month
KS Bancorp, Inc. operates as the bank holding company for KS Bank, Inc. that provides a range of community banking services to consumers and businesses. It offers personal deposit accounts, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit; loan products, including vehicle, boat and marine, recreational, deposit/investment secured, student, debt consolidation, and home equity loans, as well as home equity lines of credit; and credit cards. The company also provides business checking and savings, and payroll card accounts; construction loans, such as builders' speculative and pre-sale and commercial builder loans; commercial loans, including equipment, facilities purchase, debt refinancing, and real estate loans; and seasonal cash needs, inventory financing, and receivables financing lines of credit. In addition, it offers merchant, payroll, cash management, and remote deposit services; and mortgage services, including home purchase, home refinance, construction/permanent loans. Further, the company provides wealth management services comprising investment management, financial and retirement planning, trust and estate, and private banking services. It operates through nine full service branch offices located in Kenly, Goldsboro, Wilson, Garner, Selma, Clayton, Wendell, Four Oaks, and Smithfield, North Carolina. The company was incorporated in 1924 and is headquartered in Smithfield, North Carolina.
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 KSBI.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.61% | -1.19% | $161 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.37% | -1.43% | $137 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.29% | -1.51% | $129 / yr |
| 🇬🇧 UK ISA | 0% | 1.61% | -1.19% | $161 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.47% | -1.33% | $147 / yr |
| 🇨🇦 TFSA | 0% | 1.61% | -1.19% | $161 / yr |
| 🇨🇦 CA Taxable | 25% | 1.21% | -1.59% | $121 / yr |
| 🇦🇺 Super (pension) | 15% | 1.37% | -1.43% | $137 / yr |
| 🇦🇺 AU Taxable | 30% | 1.13% | -1.67% | $113 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.19% | -1.61% | $119 / yr |
| 🇫🇷 FR Taxable | 30% | 1.13% | -1.67% | $113 / 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 $1.16/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
KSBI pays quarterly — 4 times per year. Next ex-div: TBD.
How KSBI compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for KSBI 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 |
|---|---|---|---|---|---|---|
| Buy | 2005-05-17 | 500 | $19.50 | $9.8K | ||
| Buy | 2005-04-06 | 200 | $17.25 | $3.5K | ||
| Buy | 2005-03-14 | 149 | $23.50 | $3.5K | ||
| Buy | 2005-03-14 | 2 | $23.50 | $47.00 | ||
| Buy | 2005-03-14 | 9 | $23.75 | $214.00 | ||
| J-Other | 2005-03-07 | 2,429 | — | — | ||
| Buy | 2005-03-07 | 171 | $23.25 | $4.0K | ||
| Buy | 2005-03-07 | 2 | $22.00 | $44.00 | ||
| J-Other | 2005-03-07 | 6,155 | — | — | ||
| Buy | 2005-03-07 | 243 | $22.00 | $5.3K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
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.
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 KSBI 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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