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Royal Financial, Inc. · OTC
Price: $20.25 · Annual div: $2.00/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 RYFL → $7.56M in 10 years · $91.44/month
Royal Financial, Inc., operating via its subsidiary Royal Savings Bank, delivers a full suite of commercial and retail banking services to individuals and businesses. Its product offerings encompass a variety of deposit accounts, including savings, NOW, non-interest-bearing checking, money market, and time deposits, along with individual retirement accounts and certificates of deposit. The company also extends a range of loan products, such as mortgages for one-to-four family and multi-family properties, commercial real estate loans, business loans, and home equity financing. Complementary services like cash management, online banking, and mobile banking are also available. With a physical presence across Illinois, Royal Financial maintains seven branches in Chicago, one in Niles, and one in Westmont, in addition to loan production offices in Homewood and St. Charles. Founded in Chicago in 1887, Royal Financial, Inc. has been a subsidiary of Finward Bancorp since January 31, 2022.
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 RYFL.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 9.88% | 7.08% | $988 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 8.40% | 5.60% | $840 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 7.90% | 5.10% | $790 / yr |
| 🇬🇧 UK ISA | 0% | 9.88% | 7.08% | $988 / yr |
| 🇬🇧 UK Taxable | 8.75% | 9.02% | 6.22% | $902 / yr |
| 🇨🇦 TFSA | 0% | 9.88% | 7.08% | $988 / yr |
| 🇨🇦 CA Taxable | 25% | 7.41% | 4.61% | $741 / yr |
| 🇦🇺 Super (pension) | 15% | 8.40% | 5.60% | $840 / yr |
| 🇦🇺 AU Taxable | 30% | 6.92% | 4.12% | $692 / yr |
| 🇩🇪 DE Taxable | 26.375% | 7.27% | 4.47% | $727 / yr |
| 🇫🇷 FR Taxable | 30% | 6.92% | 4.12% | $692 / 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 $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
RYFL pays quarterly — 4 times per year. Next ex-div: TBD.
How RYFL compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for RYFL sourced from FMP /financial-growth endpoint — real data, not estimates.
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 |
|---|---|---|---|---|---|---|
| Buy | 2004-06-11 | 145,833 | $1.20 | $175.0K | ||
| Buy | 2004-03-18 | 1,000 | $0.76 | $760.00 | ||
| Buy | 2003-12-16 | 4,000 | $0.58 | $2.3K | ||
| Buy | 2003-11-26 | 3,000 | $0.61 | $1.8K | ||
| Buy | 2003-11-25 | 2,000 | $0.62 | $1.2K | ||
| Buy | 2003-11-06 | 1,000 | $0.62 | $620.00 | ||
| Buy | 2003-12-12 | 500 | $0.58 | $290.00 | ||
| Buy | 2003-12-11 | 5,000 | $0.59 | $3.0K | ||
| Buy | 2003-12-11 | 3,460 | $0.59 | $2.0K | ||
| Buy | 2003-12-09 | 372 | $0.62 | $231.00 |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
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 RYFL 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 →
Royal Financial, Inc. (RYFL) is currently trading at $20.25, trading near its 52-week high. The current dividend yield is 9.88% based on an annual payout of $2.00 per share.
Royal Financial, Inc. (RYFL) is a financial services stock currently trading at $20.25 with a dividend yield of 9.88%. The company pays an annual dividend of $2.00 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
Auto-generated from live market data. For educational purposes only — not financial advice.
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