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Pontiac Bancorp, Inc. · OTC
Price: $729.85 · Annual div: $13.95/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in PONT → $11.80 in 10 years · $0.02/month
Pontiac Bancorp, Inc. offers a diverse range of financial products and services to individuals and businesses across Livingston, Grundy, Tazewell, and McLean Counties in Illinois, extending its reach to neighboring communities. Its deposit portfolio encompasses various options, including checking, savings, and money market accounts, as well as certificates of deposit. The institution provides modern conveniences like online and mobile banking, bill pay functionalities, debit/ATM cards, and personal credit cards. Furthermore, clients can access telebanking services, competitive deposit rates, and tailored personal financial solutions. For its commercial clientele, Pontiac Bancorp supplies business money market accounts, commercial lending options, and comprehensive business financial strategies. The company also extends consumer loans, complemented by available loan insurance and payment protection plans. Specialized agricultural financing is a core offering, covering loans for equipment, livestock, and real estate, in addition to guaranteed loan programs and crop insurance. Trust services are also available to meet clients' wealth management needs. Established in 1947, the company is headquartered in Pontiac, Illinois.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold PONT.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.91% | -0.89% | $191 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.62% | -1.18% | $162 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.53% | -1.27% | $153 / yr |
| 🇬🇧 UK ISA | 0% | 1.91% | -0.89% | $191 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.74% | -1.06% | $174 / yr |
| 🇨🇦 TFSA | 0% | 1.91% | -0.89% | $191 / yr |
| 🇨🇦 CA Taxable | 25% | 1.43% | -1.37% | $143 / yr |
| 🇦🇺 Super (pension) | 15% | 1.62% | -1.18% | $162 / yr |
| 🇦🇺 AU Taxable | 30% | 1.34% | -1.46% | $134 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.41% | -1.39% | $141 / yr |
| 🇫🇷 FR Taxable | 30% | 1.34% | -1.46% | $134 / 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.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $13.95/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
PONT pays quarterly — 4 times per year. Next ex-div: TBD.
How PONT compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PONT sourced from FMP /financial-growth endpoint — real data, not estimates.
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 PONT 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 →
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