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Salisbury Bancorp, Inc. · NASDAQ
Price: $27.88 · Annual div: $0.48/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 SAL → $488.9K in 10 years · $62.99/month
Salisbury Bancorp, Inc. operates as the bank holding company for Salisbury Bank and Trust Company that provides commercial banking, consumer financing, retail banking, and trust and wealth advisory services. It offers various retail and commercial deposit products. The company also provides loans, such as residential and commercial real estate loans; construction loans; working capital loans; equipment loans; and consumer loans, including home equity loans and lines of credit, collateral loans, and auto and personal installment loans. In addition, it offers a range of fiduciary services, including trust and estate administration, wealth advisory, and investment management services to individuals, families, businesses, and institutions. Further, the company provides additional depositor related services consisting of landlord/tenant lease security accounts and services, merchant services, payroll services, ATM services, bank-by-phone services, Internet banking services, Internet bill pay services, person to person payments, bank to bank transfers, mobile banking services with remote deposit, and online financial management with account aggregation services, as well as cash management services, including remote deposit capture, ACH origination, wire transfers, and positive pay services. It operates through a network of 14 banking offices and 10 ATMs located in Litchfield County, Connecticut; Dutchess, Orange, and Ulster Counties, New York; and Berkshire County, Massachusetts. The company was founded in 1848 and is headquartered in Lakeville, Connecticut.
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 SAL.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.72% | -1.08% | $172 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.46% | -1.34% | $146 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.38% | -1.42% | $138 / yr |
| 🇬🇧 UK ISA | 0% | 1.72% | -1.08% | $172 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.57% | -1.23% | $157 / yr |
| 🇨🇦 TFSA | 0% | 1.72% | -1.08% | $172 / yr |
| 🇨🇦 CA Taxable | 25% | 1.29% | -1.51% | $129 / yr |
| 🇦🇺 Super (pension) | 15% | 1.46% | -1.34% | $146 / yr |
| 🇦🇺 AU Taxable | 30% | 1.20% | -1.60% | $120 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.27% | -1.53% | $127 / yr |
| 🇫🇷 FR Taxable | 30% | 1.20% | -1.60% | $120 / 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 $0.48/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
SAL pays quarterly — 4 times per year. Next ex-div: TBD.
How SAL compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for SAL 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 |
|---|---|---|---|---|---|---|
| A-Award | 2023-08-10 | 435 | — | — | ||
| F-InKind | 2023-08-10 | 156 | $27.45 | $4.3K | ||
| D-Return | 2023-08-11 | 2,344 | — | — | ||
| A-Award | 2023-08-10 | 3,600 | — | — | ||
| F-InKind | 2023-08-10 | 1,080 | $27.45 | $29.6K | ||
| A-Award | 2023-08-10 | 1,322 | — | — | ||
| F-InKind | 2023-08-10 | 397 | $27.45 | $10.9K | ||
| D-Return | 2023-08-11 | 2,674 | — | — | ||
| A-Award | 2023-08-10 | 900 | — | — | ||
| F-InKind | 2023-08-10 | 270 | $27.45 | $7.4K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
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.
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 SAL 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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