Core Insights - Northeast Indiana Bancorp, Inc. reported a significant increase in net income for the fourth quarter of 2025, reaching $1,774,000 ($0.75 per diluted common share), compared to $972,000 ($0.41 per diluted common share) in the same quarter of 2024, reflecting strong financial performance [1][3] Financial Performance - Net interest income rose by $838,000 in Q4 2025 compared to Q4 2024 [2] - Provision for credit loss expense decreased by $574,000 in Q4 2025 compared to the same period in 2024 [2] - Total non-interest income was $611,000 in Q4 2025, down from $660,000 in Q4 2024 [2] - Total non-interest expense increased to $3,333,000 in Q4 2025 from $3,126,000 in Q4 2024 [2] Yearly Overview - For the year ended December 31, 2025, net income was $6.3 million ($2.64 per diluted common share), up from $4.3 million ($1.80 per diluted common share) in 2024 [3] - Annualized return on average assets (ROA) for 2025 was 1.14%, compared to 0.84% in 2024 [3] - Annualized return on average equity (ROE) for 2025 was 12.32%, up from 9.13% in 2024 [3] Asset and Equity Growth - Total assets increased by $37 million, or 7%, to $559.3 million as of December 31, 2025, compared to $522.3 million in 2024 [4] - Total net loans rose by $34.7 million, or 8.9%, to $425.3 million at the end of 2025 [4] - Total deposits increased by $26.9 million, or 6.3%, to $455.8 million as of December 31, 2025 [4] - Shareholders' equity grew by $6.6 million to $54.9 million at the end of 2025 [5] Dividend Performance - Northeast Indiana Bancorp, Inc. maintained its status on the Dividend Champions List, having increased dividends for 31 consecutive years [6] Management Commentary - The President and CEO expressed satisfaction with the financial performance in 2025 and optimism for future growth, emphasizing the company's commitment to serving customers and communities [7]

Group 1 - Tech giants are known for low dividend payouts, with Nvidia paying $0.01 per share (0.02% yield), Meta at 0.32%, Alphabet at $0.26, while Tesla and Amazon pay nothing [1][2] - Despite low dividends, these companies may still provide significant shareholder value through share repurchase programs, which are often more tax-efficient [2] - Historical data shows that 85% of stock market wealth since 1960 has come from reinvested dividends and compounding, highlighting the importance of dividend-growers for long-term investors [3] Group 2 - The "Magnificent Seven" companies have significantly contributed to the stock market rally, driven by excitement around the $15.7 trillion AI revolution [4] - For investors looking for reliable income and exposure to disruptive technologies, Apple and Microsoft are the primary candidates, with Microsoft showing superior performance [5] - Microsoft is predicted to become the first Dividend Champion among the Magnificent Seven, having increased its dividend by 600% since 2010 and currently paying $6.6 billion in dividends quarterly [6][7] Group 3 - Microsoft has the longest streak of dividend increases among the Magnificent Seven, with a notable 23% increase in its dividend after a previous pause [7][8] - Both Microsoft and Apple have faced challenges in dividend payouts this century, but Microsoft has resumed its dividend growth more aggressively [8]

Core Viewpoint - The article highlights three companies known as "Dividend Champions," which have a long history of increasing dividends, making them attractive for income investors as interest rates are expected to decline in the future [3]. Group 1: Royal Gold - Royal Gold, based in Denver, Colorado, has a dividend yield of 0.77% and has raised its dividend every year since July 2000, with a total increase of 58.3% since 2021, outpacing the 19% inflation during the same period [4][5][6]. - The company has maintained its dividend growth even during periods of declining gold prices, such as from 2012 to 2020, when its dividend increased by 87% despite gold prices falling [6][8]. - Royal Gold's business model involves acquiring royalty interests in various metals, allowing it to sustain dividend increases regardless of gold price fluctuations [7][8]. Group 2: York Water - York Water, a Pennsylvania-based water utility, has announced its 29th annual dividend hike, maintaining a record of 620 consecutive payouts since 1816, which is believed to be a record for American companies [9][10]. - The company's recent dividend increase of 4% in 2025 is above the 2.7% inflation rate, and since 2021, it has raised its dividend by 22%, demonstrating its ability to keep pace with inflation [10]. - With a payout ratio of just 63%, York Water's dividend appears sustainable, as its earnings are growing faster than its payouts [12]. Group 3: Caterpillar - Caterpillar, a leading manufacturer of construction and mining equipment, has increased its dividend for 31 consecutive years, including a 7% increase announced last June [13][14]. - The company's dividend has grown by 46.6% since 2021, significantly outpacing inflation, and its long-term track record shows that payouts have tripled over the last 25 years [14][16]. - Caterpillar's resilience is evident as it continued to increase dividends during economic downturns, such as the Financial Crisis and the pandemic, showcasing management's commitment to rewarding shareholders [16][17].

Group 1 - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and 'Dividend Champions' that target premium dividend yields up to 10% [1][2] - The iREIT®+HOYA Capital service aims to provide sustainable portfolio income, diversification, and inflation hedging for investors [2] - The investment research covers various asset classes including REITs, ETFs, closed-end funds, preferreds, and dividend champions, helping investors achieve dependable monthly income [2]

Group 1 - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and 'Dividend Champions' that target premium dividend yields up to 10% [1][2] - The iREIT®+HOYA Capital service aims to provide sustainable portfolio income, diversification, and inflation hedging for investors [2] - The investment research covers various asset classes including REITs, ETFs, closed-end funds, preferreds, and dividend champions, helping investors achieve dependable monthly income [2]

With a focus on REITs, ETFs, Preferreds, and 'Dividend Champions' across asset classes, members gain complete access to our research and our suite of trackers and portfolios targeting premium dividend yields up to 10%.iREIT®+HOYA Capital is the premier income-focused investing service on Seeking Alpha. Our focus is on income-producing asset classes that offer the opportunity for sustainable portfolio income, diversification, and inflation hedging. Get started with a Free Two-Week Trial and take a look at ou ...

Core Insights - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and Dividend Champions, targeting premium dividend yields up to 10% [1][3] - The iREIT®+HOYA Capital service is designed for income-focused investing, emphasizing sustainable portfolio income, diversification, and inflation hedging [2][3] Investment Strategy - The investment group provides research on various asset classes including REITs, ETFs, closed-end funds, preferreds, and dividend champions [3] - The service aims to help investors achieve dependable monthly income and portfolio diversification [3] Market Outlook - Concerns are raised regarding the potential impact on Morgan Stanley PFD A 1/1000 (MS.PR.A) if the FOMC shifts from raising to cutting the Federal Funds Rate (FFR) in 2024 [3]

Core Insights - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and Dividend Champions, targeting premium dividend yields up to 10% [1][3] - iREIT®+HOYA Capital is highlighted as a premier income-focused investing service, emphasizing sustainable portfolio income, diversification, and inflation hedging [2][3] Group 1 - Truist Financial Corporation (TFC) was formed from the merger of SunTrust and BB&T banks in late 2019, raising questions about the choice of the name [3] - The investment group iREIT®+HOYA Capital aims to assist investors in achieving dependable monthly income and portfolio diversification [3] - The group provides research on various investment vehicles including REITs, ETFs, closed-end funds, preferreds, and dividend champions [3] Group 2 - The service offers a free two-week trial for potential investors to explore top ideas within exclusive income-focused portfolios [2] - The investment strategies shared by the group include trading options with a focus on cash-secured puts, catering to long-only investors [3]

Core Insights - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and Dividend Champions, targeting premium dividend yields up to 10% [1][3]. Group 1: Investment Strategy - The investment strategy emphasizes sustainable portfolio income, diversification, and inflation hedging through income-focused portfolios [2][3]. - The service offers a free two-week trial to explore top ideas within exclusive income-focused portfolios [2]. Group 2: Company Background - Citizens Bank is part of Citizens Financial Group, Inc. (CFG), and has been recognized through its association with local sports, enhancing its visibility [3]. - The Retired Investor, with a background in data analysis and pension fund management, contributes to the investment group iREIT®+HOYA Capital, focusing on strategies for generating dependable monthly income [3].

Core Insights - The focus is on income-producing asset classes such as REITs, ETFs, Preferreds, and Dividend Champions, targeting premium dividend yields up to 10% [1][3] Group 1: Investment Strategy - The investment strategy emphasizes sustainable portfolio income, diversification, and inflation hedging through income-focused portfolios [2][3] - The service offers a free two-week trial to explore top ideas within exclusive income-focused portfolios [2] Group 2: Company Background - Citizens Bank is part of Citizens Financial Group, Inc. (CFG), and has been recognized through its association with local sports, enhancing its visibility [3] - The Retired Investor, with a background in data analysis and pension fund management, contributes to the investment group iREIT®+HOYA Capital, focusing on strategies for dependable monthly income [3]