About NBC Bancorp, Inc. (NCXS) — Dividend Analysis 2026
NBC Bancorp, Inc., operates as the bank holding company for National Bank of Coxsackie that provides various banking products and services in the United States. The company offers checking and savings accounts, young adult accounts, and Christmas club accounts; car/truck loans, boat/motorcycle loans, personal loans, recreational vehicle loans, farm equipment loans, camping and utility trailer loans, mortgages, construction loans, home equity loans, small business loans, commercial new building loans, building rehabilitation loans, and lines of credit; and debit and credit cards. It also provides cash management, merchant, and online and mobile banking services, as well as safe deposit boxes. The company was founded in 1852 and is based in Coxsackie, New York.
Is NCXS a good dividend investment in 2026?
NCXS offers a 0.82% forward yield with a 50% payout ratio. Strand Safety Score: 85/100 (Very Safe). The 5-year dividend CAGR of -50% is modest — investors should weigh current income against growth alternatives.
NCXS DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your NCXS portfolio grows to $6.79M vs $6.77M without reinvestment. This is the compound interest effect in action.
NCXS dividend growth history & forecast
NCXS 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 0.82%.
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.
🌍 NCXS Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold NCXS.
Gross yield
0.82%
Tax rate
15.00%
After-tax yield
0.70%
Real yield (−CPI)
-2.10%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
0.82%
-1.98%
$82 / yr
🇺🇸 US Taxable (15%) ✓
15%
0.70%
-2.10%
$70 / yr
🇺🇸 US Taxable (20%)
20%
0.66%
-2.14%
$66 / yr
🇬🇧 UK ISA
0%
0.82%
-1.98%
$82 / yr
🇬🇧 UK Taxable
8.75%
0.75%
-2.05%
$75 / yr
🇨🇦 TFSA
0%
0.82%
-1.98%
$82 / yr
🇨🇦 CA Taxable
25%
0.61%
-2.18%
$62 / yr
🇦🇺 Super (pension)
15%
0.70%
-2.10%
$70 / yr
🇦🇺 AU Taxable
30%
0.57%
-2.23%
$57 / yr
🇩🇪 DE Taxable
26.375%
0.60%
-2.20%
$60 / yr
🇫🇷 FR Taxable
30%
0.57%
-2.23%
$57 / 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.
🎯 NCXS Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your NCXS investment of $60.99/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$69.69
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-2402.61
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in NCXS for:
Shares needed
56,471
Capital required
$3,444,166
Monthly income
$2,000
Based on current dividend of $0.50/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 NCXS Dividend Payment Schedule
NCXS pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$1.06 / payment
$4.25 / year after tax
100 shares
$10.63 / payment
$42.50 / year after tax
1,000 shares
$106.25 / payment
$425.00 / year after tax
📊 NCXS vs Financial Services Benchmarks
How NCXS compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-2.08% vs sectorBelow avg
NCXS
0.82%
avg
2.90%
5Y Dividend CAGR▼-57.10% vs sectorBelow avg
NCXS
-50.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
NCXS
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for NCXS sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ NCXS Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.11
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
4/9
⚠️ Moderate fundamentals
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 NCXS 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 →