The First Citizens National Bank of Upper Sandusky FSDK

A single, comprehensive score designed to measure the true strength of a company’s dividend.

This score combines three essential pillars of dividend quality:

Consistency – Measures how reliable the dividend has been over time, focusing on payment history, stability, and the absence of cuts or suspensions.

Payability – Assesses the company’s financial ability to sustain its dividend, taking into account cash flow, earnings coverage, balance sheet strength, and overall financial health.

Growth – Evaluates the long-term growth of both the dividend and the company’s share price, highlighting businesses that consistently increase payouts while creating shareholder value.

Higher scores identify companies that have historically delivered dependable income alongside sustained dividend growth and long-term capital appreciation.