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UB Bancorp · OTC
Price: $21.05 · Annual div: $5.14/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 UBNC → $3.06M in 10 years · $7,434.08/month
UB Bancorp operates as the bank holding company for Union Bank that provides commercial and retail banking services to individuals and businesses. The company offers checking accounts, savings and money market accounts, certificates of deposit, and individual retirement accounts; and person-to-person payment, cash management, treasury management, and remote deposit services. It also provides personal loans, including consumer instalment loans, such as auto, boat, 2nd mortgage, and home improvement loans; home equity credit lines; residential mortgage loans; residential rental property loans; personal credit lines; and personal construction loans. In addition, the company offers business loans, such as business construction loans, long-term business mortgage loans, short-term small business loans, working capital lines of credit, residential building products for speculative or pre-sold homes, SBA loans, equipment financing products, and small business start-up loans; agricultural loans comprising contract livestock production or crop production; loans for rental real estate, such as apartments, shopping centers, or office space; and mortgage loans. Further, it provides credit cards, debit cards, overdraft protection services, gift and travel cards, official checks, safe deposit boxes, telephone transfer services, online banking services, bill pay services, and wire and investment services; investment sweep accounts, merchant services, telephone banking services, and online ACH services; and e-statements, mobile banking and mobile check deposit, and digital wallet services. As of January 22, 2021, the company operated 14 branches. It serves customers primarily in Craven, Franklin, Granville, Lenoir, New Hanover, Onslow, Person, Pitt, Vance, Wake, and Wayne counties, North Carolina. The company was formerly known as Union Bank and changed its name to UB Bancorp in May 2020. UB Bancorp was incorporated in 1998 and is headquartered in Greenville, North Carolina.
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 UBNC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 24.41% | 21.61% | $2,441 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 20.75% | 17.95% | $2,075 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 19.53% | 16.73% | $1,953 / yr |
| 🇬🇧 UK ISA | 0% | 24.41% | 21.61% | $2,441 / yr |
| 🇬🇧 UK Taxable | 8.75% | 22.27% | 19.47% | $2,227 / yr |
| 🇨🇦 TFSA | 0% | 24.41% | 21.61% | $2,441 / yr |
| 🇨🇦 CA Taxable | 25% | 18.31% | 15.51% | $1,831 / yr |
| 🇦🇺 Super (pension) | 15% | 20.75% | 17.95% | $2,075 / yr |
| 🇦🇺 AU Taxable | 30% | 17.09% | 14.29% | $1,709 / yr |
| 🇩🇪 DE Taxable | 26.375% | 17.97% | 15.17% | $1,797 / yr |
| 🇫🇷 FR Taxable | 30% | 17.09% | 14.29% | $1,709 / 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 $5.14/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
UBNC pays quarterly — 4 times per year. Next ex-div: TBD.
How UBNC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for UBNC 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 UBNC 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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