About Northumberland Bancorp (NUBC) — Dividend Analysis 2026
Northumberland Bancorp operates as a bank holding company for The Northumberland National Bank that provides various banking and financial services for personal and commercial customers. It offers checking, money market, and savings accounts; certificates of deposit; individual retirement accounts; investment securities; deposit and trust services; and debit and credit cards. The company also provides commercial mortgage; commercial, short term, working capital, residential investment, secondary market real estate, home equity, personal, and vehicle loans; lines of credit; letters of credit; government lending programs; agricultural financing; insurance products; and merchant services, as well as Internet and telephone banking services, and safe deposit boxes. It operates in Northumberland, Snyder, and the Union counties in Pennsylvania. The company was founded in 1903 and is based in Northumberland, Pennsylvania.
Is NUBC a good dividend investment in 2026?
NUBC offers a 3.12% forward yield with a 50% payout ratio. Strand Safety Score: 78/100 (Safe). The 5-year dividend CAGR of 15.9% demonstrates strong, consistent growth that outpaces inflation.
NUBC DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your NUBC portfolio grows to $14.9K vs $10.5K without reinvestment. This is the compound interest effect in action.
NUBC dividend growth history & forecast
NUBC has grown its dividend by 0% over the last year and 15.9% 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 3.12%.
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.0B → +0.0B → +0.0B
8 / 30 pts
8/30
Net income is positive but trending down — watch for further deterioration
OVERALL ASSESSMENT
Dividend appears safe — fundamentals solid with moderate concerns.
STRAND SCORE
78
/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.
🌍 NUBC Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold NUBC.
Gross yield
3.12%
Tax rate
15.00%
After-tax yield
2.65%
Real yield (−CPI)
-0.15%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
3.12%
0.32%
$312 / yr
🇺🇸 US Taxable (15%) ✓
15%
2.65%
-0.15%
$265 / yr
🇺🇸 US Taxable (20%)
20%
2.50%
-0.30%
$250 / yr
🇬🇧 UK ISA
0%
3.12%
0.32%
$312 / yr
🇬🇧 UK Taxable
8.75%
2.85%
0.05%
$285 / yr
🇨🇦 TFSA
0%
3.12%
0.32%
$312 / yr
🇨🇦 CA Taxable
25%
2.34%
-0.46%
$234 / yr
🇦🇺 Super (pension)
15%
2.65%
-0.15%
$265 / yr
🇦🇺 AU Taxable
30%
2.18%
-0.62%
$218 / yr
🇩🇪 DE Taxable
26.375%
2.30%
-0.50%
$230 / yr
🇫🇷 FR Taxable
30%
2.18%
-0.62%
$218 / 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.
🎯 NUBC Income Goal & Break-Even
Dividend Break-Even
14yr
Years for dividends to fully repay your NUBC investment of $29.50/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$11.8K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$9.3K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in NUBC for:
Shares needed
30,691
Capital required
$905,385
Monthly income
$2,000
Based on current dividend of $0.92/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 NUBC Dividend Payment Schedule
NUBC pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$1.96 / payment
$7.82 / year after tax
100 shares
$19.55 / payment
$78.20 / year after tax
1,000 shares
$195.50 / payment
$782.00 / year after tax
📊 NUBC vs Financial Services Benchmarks
How NUBC compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+0.22% vs sectorBetter
NUBC
3.12%
avg
2.90%
5Y Dividend CAGR▲+8.80% vs sectorBetter
NUBC
15.90%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
NUBC
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for NUBC sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ NUBC Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
-0.76
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
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 NUBC 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 →