About National Capital Bancorp, Inc. (NACB) — Dividend Analysis 2026
National Capital Bancorp, Inc. operates as the bank holding for The National Capital Bank of Washington that provides various banking products and services to individuals and businesses in Washington. It offers savings and checking accounts. The company also provides personal loans; home equity lines of credit; residential mortgages; paycheck protection program loans; commercial lines of credit; term loans; commercial mortgages; construction finance; equipment financing and leasing; loans for nonprofit organizations; letters of credit; SBA loans; and debit and credit cards. In addition, it offers cash management, disbursement services, online and mobile banking services, mobile deposits, escrow management, automated clearing house, remote deposit capture, lockbox services, merchant card processing, safe deposit boxes, and wealth management services. The company was founded in 1889 and is based in Washington, the District of Columbia.
Is NACB a good dividend investment in 2026?
NACB offers a 1.26% forward yield with a 50% payout ratio. Strand Safety Score: 100/100 (Very Safe). The 5-year dividend CAGR of -50% is modest — investors should weigh current income against growth alternatives.
NACB DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your NACB portfolio grows to $11.07 vs $135.98 without reinvestment. This is the compound interest effect in action.
NACB dividend growth history & forecast
NACB has grown its dividend by 0% over the last year and -50% 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 1.26%.
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.
🌍 NACB Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold NACB.
Gross yield
1.26%
Tax rate
15.00%
After-tax yield
1.07%
Real yield (−CPI)
-1.73%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
1.26%
-1.54%
$126 / yr
🇺🇸 US Taxable (15%) ✓
15%
1.07%
-1.73%
$107 / yr
🇺🇸 US Taxable (20%)
20%
1.01%
-1.79%
$101 / yr
🇬🇧 UK ISA
0%
1.26%
-1.54%
$126 / yr
🇬🇧 UK Taxable
8.75%
1.15%
-1.65%
$115 / yr
🇨🇦 TFSA
0%
1.26%
-1.54%
$126 / yr
🇨🇦 CA Taxable
25%
0.95%
-1.85%
$95 / yr
🇦🇺 Super (pension)
15%
1.07%
-1.73%
$107 / yr
🇦🇺 AU Taxable
30%
0.88%
-1.92%
$88 / yr
🇩🇪 DE Taxable
26.375%
0.93%
-1.87%
$93 / yr
🇫🇷 FR Taxable
30%
0.88%
-1.92%
$88 / 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.
🎯 NACB Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your NACB investment of $66.49/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$108.43
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-2363.86
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in NACB for:
Shares needed
33,614
Capital required
$2,234,995
Monthly income
$2,000
Based on current dividend of $0.84/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 NACB Dividend Payment Schedule
NACB pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$1.78 / payment
$7.14 / year after tax
100 shares
$17.85 / payment
$71.40 / year after tax
1,000 shares
$178.50 / payment
$714.00 / year after tax
📊 NACB vs Financial Services Benchmarks
How NACB compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-1.64% vs sectorBelow avg
NACB
1.26%
avg
2.90%
5Y Dividend CAGR▼-57.10% vs sectorBelow avg
NACB
-50.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
NACB
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for NACB sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ NACB Insider Activity
No recent SEC filings reported in the last 90 days.
📅
Next Earnings Report: 2026-04-29(in 28 days)
🔬
Financial Health Scores
Piotroski F-Score
3/9
🔴 Weak fundamentals — dividend safety concern
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
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.
📊 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 NACB 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 →