About Naugatuck Valley Financial Corp. (NVSL) — Dividend Analysis 2026
NVSL is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in NVSL shares.
Is NVSL a good dividend investment in 2026?
NVSL offers a 18.26% forward yield with a 50% payout ratio. Strand Safety Score: 85/100 (Very Safe). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
NVSL DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your NVSL portfolio grows to $86.9K vs $20.5K without reinvestment. This is the compound interest effect in action.
NVSL dividend growth history & forecast
NVSL has grown its dividend by 0% over the last year and 0% 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 18.26%.
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.
🌍 NVSL Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold NVSL.
Gross yield
18.26%
Tax rate
15.00%
After-tax yield
15.52%
Real yield (−CPI)
12.72%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
18.26%
15.46%
$1,826 / yr
🇺🇸 US Taxable (15%) ✓
15%
15.52%
12.72%
$1,552 / yr
🇺🇸 US Taxable (20%)
20%
14.61%
11.81%
$1,461 / yr
🇬🇧 UK ISA
0%
18.26%
15.46%
$1,826 / yr
🇬🇧 UK Taxable
8.75%
16.66%
13.86%
$1,666 / yr
🇨🇦 TFSA
0%
18.26%
15.46%
$1,826 / yr
🇨🇦 CA Taxable
25%
13.70%
10.89%
$1,370 / yr
🇦🇺 Super (pension)
15%
15.52%
12.72%
$1,552 / yr
🇦🇺 AU Taxable
30%
12.78%
9.98%
$1,278 / yr
🇩🇪 DE Taxable
26.375%
13.44%
10.64%
$1,344 / yr
🇫🇷 FR Taxable
30%
12.78%
9.98%
$1,278 / 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.
🎯 NVSL Income Goal & Break-Even
Dividend Break-Even
7yr
Years for dividends to fully repay your NVSL investment of $10.95/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$68.5K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$66.1K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in NVSL for:
Shares needed
14,118
Capital required
$154,592
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 NVSL Dividend Payment Schedule
NVSL pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 NVSL vs Financial Services Benchmarks
How NVSL compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+15.36% vs sectorBetter
NVSL
18.26%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
NVSL
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
NVSL
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for NVSL sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ NVSL Insider Activity
▲ 1 Buys
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
Singer Eric
director
D-Return
2017-12-07
221,649
$21.60
$4.79M
RYAN ANDREW J
director
D-Return
2017-12-07
271,473
$21.60
$5.86M
Igoe Brian R.
director
D-Return
2017-12-07
8,500
$21.60
$183.6K
Gay Kelly H
officer: CHIEF OPERATING OFFICER
M-Exempt
2017-12-07
25,000
—
—
Gay Kelly H
officer: CHIEF OPERATING OFFICER
D-Return
2017-12-07
5,613
$21.60
$121.2K
McAvoy Sherrie G
director
D-Return
2017-12-07
54,407
$21.60
$1.18M
Gayron Kenneth L
officer: INTERIM CEO AND CFO
M-Exempt
2017-12-07
60,933
—
—
Gayron Kenneth L
officer: INTERIM CEO AND CFO
D-Return
2017-12-07
8,055
$21.60
$174.0K
SIERRA WIRELESS INC
10 percent owner
Buy
2017-12-07
19,680,040
—
—
Gayron Kenneth L
officer, other: CHIEF FINANCIAL OFFICER
M-Exempt
2017-05-19
11,977
—
—
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
📊 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 NVSL 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 →