About Oconomowoc Bancshares, Inc. (OCNB) — Dividend Analysis 2026
Oconomowoc Bancshares, Inc. operates as the bank holding company for Bank Five Nine that provides banking products and services. It offers checking, savings, kids, and individual retirement accounts; certificates of deposit; and debit, credit, and pre-paid cards. The company also provides home, personal, business, and commercial real estate loans; and mortgages, home equity lines of credit, business line of credit, standby letters of credit, SBA lending, and overdraft services, as well as paycheck protection programs. In addition, it offers cash and wealth management services; and online and mobile banking services. The company is based in Oconomowoc, Wisconsin.
Is OCNB a good dividend investment in 2026?
OCNB offers a 17.47% forward yield with a 50% payout ratio. Strand Safety Score: N/A. The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
OCNB DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your OCNB portfolio grows to $50.0K vs $27.5K without reinvestment. This is the compound interest effect in action.
OCNB dividend growth history & forecast
OCNB 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 17.47%.
ETFs do not file income statements or cash flow statements. Their dividend safety depends on the underlying index quality, fund methodology, and holdings composition. Use the Holdings page to analyze individual stocks in this fund.
🌍 OCNB Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold OCNB.
Gross yield
17.47%
Tax rate
15.00%
After-tax yield
14.85%
Real yield (−CPI)
12.05%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
17.47%
14.67%
$1,747 / yr
🇺🇸 US Taxable (15%) ✓
15%
14.85%
12.05%
$1,485 / yr
🇺🇸 US Taxable (20%)
20%
13.98%
11.18%
$1,398 / yr
🇬🇧 UK ISA
0%
17.47%
14.67%
$1,747 / yr
🇬🇧 UK Taxable
8.75%
15.94%
13.14%
$1,594 / yr
🇨🇦 TFSA
0%
17.47%
14.67%
$1,747 / yr
🇨🇦 CA Taxable
25%
13.10%
10.30%
$1,310 / yr
🇦🇺 Super (pension)
15%
14.85%
12.05%
$1,485 / yr
🇦🇺 AU Taxable
30%
12.23%
9.43%
$1,223 / yr
🇩🇪 DE Taxable
26.375%
12.86%
10.06%
$1,286 / yr
🇫🇷 FR Taxable
30%
12.23%
9.43%
$1,223 / 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.
🎯 OCNB Income Goal & Break-Even
Dividend Break-Even
7yr
Years for dividends to fully repay your OCNB investment of $32.00/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$29.9K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$27.5K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in OCNB for:
Shares needed
5,052
Capital required
$161,664
Monthly income
$2,000
Based on current dividend of $5.59/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 OCNB Dividend Payment Schedule
OCNB pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$11.88 / payment
$47.52 / year after tax
100 shares
$118.79 / payment
$475.15 / year after tax
1,000 shares
$1187.88 / payment
$4751.50 / year after tax
📊 OCNB vs Financial Services Benchmarks
How OCNB compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+14.57% vs sectorBetter
OCNB
17.47%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
OCNB
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
OCNB
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for OCNB sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ OCNB Insider Activity
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
TASCARELLA RONALD
officer: Senior Vice President
A-Award
2005-02-17
500
—
—
SEIFTER LOWELL A
director
M-Exempt
2004-09-13
1,054
$10.65
$11.2K
SEIFTER LOWELL A
director
M-Exempt
2004-09-13
1,054
$10.65
$11.2K
SEIFTER LOWELL A
director
M-Exempt
2003-09-15
1,055
$10.65
$11.2K
SEIFTER LOWELL A
director
M-Exempt
2003-09-15
1,055
$10.65
$11.2K
SEIFTER LOWELL A
director
A-Award
2003-07-24
7,553
$12.50
$94.4K
SEIFTER LOWELL A
director
A-Award
2003-07-24
3,021
—
—
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 OCNB 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 →