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Macatawa Bank Corporation · NASDAQ
Price: $14.82 · Annual div: $0.36/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 MCBC → $2.15M in 10 years · $342.53/month
Macatawa Bank Corporation operates as the bank holding company for Macatawa Bank that provides commercial and consumer banking and trust services. The company accepts various deposits, such as checking accounts, savings accounts, time deposits, regular and money market savings accounts, certificates of deposit, and demand deposits. Its loan products include commercial and industrial loans comprising loans to finance operations and equipment; commercial real estate loans, which consist of construction and development, multi-family, and other non-residential real estate loans; and residential mortgage loans, as well as consumer loans, including automobile loans, home equity lines of credit and installment loans, home improvement loans, deposit account loans, and other loans for household and personal purposes. The company also offers ATM and debit card processing, cash management, trust, and brokerage services. In addition, it provides fraud protection; collection services; disbursement solutions; fund management; and investment and retirement plan services. It serves individuals, businesses, associations, churches, nonprofit organizations, financial institutions, and government authorities. As of December 31, 2021, the company had 26 full-service branches in Kent, Ottawa, and northern Allegan counties, Michigan. Macatawa Bank Corporation was incorporated in 1997 and is based in Holland, Michigan.
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 MCBC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.43% | -0.37% | $243 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.07% | -0.73% | $207 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.94% | -0.86% | $194 / yr |
| 🇬🇧 UK ISA | 0% | 2.43% | -0.37% | $243 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.22% | -0.58% | $222 / yr |
| 🇨🇦 TFSA | 0% | 2.43% | -0.37% | $243 / yr |
| 🇨🇦 CA Taxable | 25% | 1.82% | -0.98% | $182 / yr |
| 🇦🇺 Super (pension) | 15% | 2.07% | -0.73% | $207 / yr |
| 🇦🇺 AU Taxable | 30% | 1.70% | -1.10% | $170 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.79% | -1.01% | $179 / yr |
| 🇫🇷 FR Taxable | 30% | 1.70% | -1.10% | $170 / 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 $0.36/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
MCBC pays quarterly — 4 times per year. Next ex-div: TBD.
How MCBC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for MCBC 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 |
|---|---|---|---|---|---|---|
| D-Return | 2024-08-01 | 87,970 | — | — | ||
| D-Return | 2024-08-01 | 75,702 | — | — | ||
| D-Return | 2024-08-01 | 314,088 | — | — | ||
| D-Return | 2024-08-01 | 10,281.33 | — | — | ||
| D-Return | 2024-08-01 | 1,000 | — | — | ||
| D-Return | 2024-08-01 | 1,559,639 | — | — | ||
| D-Return | 2024-08-01 | 81,742 | — | — | ||
| D-Return | 2024-08-01 | 1,000 | — | — | ||
| D-Return | 2024-08-01 | 122,724 | — | — | ||
| D-Return | 2024-08-01 | 150,507 | — | — |
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 MCBC 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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