Co-operative Bank Dividends 2026 Payout Date: Everything You Need to Know
The Co-operative Bank dividends 2026 payout date is confirmed: the final dividend of KES 1.50 per share was paid on June 5, 2026, to all shareholders registered by the book closure date of May 4, 2026. Combined with the KES 1.00 interim dividend paid in December 2025, the total COOP dividends 2026 payout stands at KES 2.50 per share — a 67% increase from the previous year and the largest single-year dividend in Co-operative Bank’s history.
If you are reading this after June 5 and have not yet received your funds, or you are positioning for the next payout cycle, this guide covers your confirmed net earnings, the full FY2025 financial picture, and exactly what to do next.
Co-operative Bank Dividends 2026 Payout Date — Confirmed Key Facts
| Metric | Value |
|---|---|
| NSE Ticker | COOP |
| Total dividend per share (FY2025) | KES 2.50 |
| Interim dividend paid | KES 1.00 (December 2025) |
| Final dividend paid | KES 1.50 (June 5, 2026) |
| Previous year total dividend | KES 1.50 |
| Dividend increase | +67% |
| Book closure date | May 4, 2026 |
| Final payment date | June 5, 2026 |
| FY2025 profit before tax | KES 40.3 billion |
| FY2025 profit after tax | KES 29.75 billion |
| Dividend yield at ~KES 31.60 | ~7.9% |
| Payout ratio | ~49.3% |
Co-operative Bank Dividends 2026 Payout Date in Kenya — The Full Timeline
The most significant development for COOP investors in 2026 is not just the higher dividend — it is the structural shift to a twice-yearly payment model. Co-operative Bank paid its first-ever interim dividend in December 2025, matching KCB Group and signalling management’s confidence in sustaining higher payouts going forward.
Here is the complete timeline:
December 2025 — Interim dividend paid KES 1.00 per share distributed to shareholders registered by November 26, 2025. This was COOP’s first-ever interim dividend — a historic milestone for the bank.
May 4, 2026 — Book closure date (passed) The ex-dividend cutoff for the final dividend. Shareholders had to hold COOP shares on the register at close of business on this date to qualify for the KES 1.50 final payment. The T+3 settlement rule meant the last safe buy date was approximately April 28, 2026.
June 5, 2026 — Final dividend payment date (paid) KES 1.50 per share credited to all registered shareholders’ active bank accounts. After 5% withholding tax, the net payment was KES 1.425 per share.
August/September 2026 — FY2026 interim announcement expected Watch the NSE and Co-operative Bank investor relations pages for the next half-year results and interim dividend declaration. Based on the new twice-yearly structure, book closure for the FY2026 interim dividend is expected around November 2026.
COOP Dividends 2026 — How Much Will You Receive?
For Kenyan resident individuals, a 5% withholding tax is automatically deducted before the dividend reaches your account. No additional filing is required — it is handled at source.
Here is your exact net payout based on shareholding:
| Shares Held | Gross (KES 2.50) | Tax (5%) | Net Received | Final div net (KES 1.50) |
|---|---|---|---|---|
| 100 shares | KES 250 | KES 13 | KES 238 | KES 143 |
| 500 shares | KES 1,250 | KES 63 | KES 1,188 | KES 713 |
| 1,000 shares | KES 2,500 | KES 125 | KES 2,375 | KES 1,425 |
| 2,000 shares | KES 5,000 | KES 250 | KES 4,750 | KES 2,850 |
| 5,000 shares | KES 12,500 | KES 625 | KES 11,875 | KES 7,125 |
| 10,000 shares | KES 25,000 | KES 1,250 | KES 23,750 | KES 14,250 |
At KES 31.60 per share, a holding of 1,000 shares requires a KES 31,600 investment and generates KES 2,375 in net annual dividend income — a yield of approximately 7.5% at current purchase price. Investors who bought in January 2026 at KES 23.95 are sitting on a yield on cost of approximately 10.4%, plus a 32% capital gain on the share price itself.
Co-operative Bank FY2025 Financial Results — What Powered the Dividend
The COOP bank dividends 2026 payout date is backed by the strongest financial performance in the bank’s history.
Co-operative Bank recorded a Profit Before Tax of KES 40.3 billion for FY2025 — the best result in the bank’s history — and a Profit After Tax of KES 29.75 billion, up 16.9% from KES 25.46 billion in FY2024.
| Metric | FY2024 | FY2025 | Change |
|---|---|---|---|
| Profit after tax | KES 25.46B | KES 29.75B | +16.9% |
| Total assets | KES 743.3B | KES 827.4B | +11.3% |
| Net loans | KES 373B | KES 421.0B | +12.6% |
| Customer deposits | KES 509B | KES 576.5B | +13.3% |
| Total dividend per share | KES 1.50 | KES 2.50 | +67% |
Over 90% of all customer transactions are now processed through digital channels — mobile, internet, and USSD — demonstrating how efficiently COOP is scaling its customer base without proportional cost increases.
Co-operative Bank Dividend History — 5-Year Growth Table
The co-operative bank dividends 2026 total of KES 2.50 per share represents five consecutive years of unbroken dividend growth.
| Year | Total DPS | Structure | Share Price (Jan) | Yield |
|---|---|---|---|---|
| 2021 | KES 1.00 | Final only | ~KES 14.00 | ~7.1% |
| 2022 | KES 1.00 | Final only | ~KES 14.00 | ~7.1% |
| 2023 | KES 1.10 | Final only | ~KES 13.00 | ~8.5% |
| 2024 | KES 1.25 | Final only | ~KES 12.50 | ~10.0% |
| 2025 | KES 1.50 | Final only | ~KES 12.00 | ~12.5% |
| 2026 | KES 2.50 | KES 1.00 interim + KES 1.50 final | KES 23.95 | ~10.4% |
The 2026 shift to a two-payment model is the most meaningful structural change for income investors. It means shareholders now receive cash twice a year rather than waiting for a single annual payment — improving cash flow and reducing the all-or-nothing risk of a single book closure date.
Cooperative Bank Book Closure 2026 — What It Means and What Comes Next
The cooperative bank book closure 2026 for the final dividend was May 4, 2026. That date has now passed. Here is what it means depending on your situation:
If you held shares before May 4, 2026: You are entitled to the KES 1.50 final dividend paid June 5, 2026. If you have not received it, see the troubleshooting section below.
If you bought shares after May 4, 2026: You did not qualify for the FY2025 final dividend, but you are now positioned for the FY2026 dividend cycle. The next book closure to watch is the FY2026 interim, expected around November 2026.
The T+3 rule for future book closures: When the next book closure is announced, your buy deadline is five business days before that date — not the day before, not the day of. NSE trades take three business days to settle, so buying too close to book closure means your shares do not appear on the register in time.
COOP Dividends 2026 — COOP vs NSE Banking Peers
How does the co-operative bank dividends 2026 payout compare to other Kenyan bank dividends this cycle?
| Bank | Total DPS | Share Price | Yield | Payout Ratio | FY2025 Profit Trend |
|---|---|---|---|---|---|
| Standard Chartered | KES 31.00 | ~KES 330 | ~9.4% | 95.5% | -38% |
| Stanbic Holdings | KES 22.35 | ~KES 197 | ~11.3% | 64% | Flat |
| COOP | KES 2.50 | ~KES 31.60 | ~7.9% | 49.3% | +16.9% |
| KCB Group | KES 7.00 | ~KES 76 | ~9.2% | 33% | +10% |
| Equity Group | KES 5.75 | ~KES 50 | ~11.5% | 29% | +55% |
COOP sits at the intersection of a good yield (7.9%) and genuine dividend safety (49.3% payout ratio on growing profits). Standard Chartered’s headline yield is higher, but its 95.5% payout ratio following a 38% profit decline makes it a significantly riskier income bet. COOP’s disciplined approach makes it one of the more dependable dividend growth stories on the NSE.
Should You Buy COOP Shares Now?
The May 4 ex-dividend date has passed. Buyers today will not receive the FY2025 final dividend but are positioning for the FY2026 dividend cycle.
At what price does COOP become attractive for the next cycle?
| Share Price | Yield on KES 2.50 | Assessment |
|---|---|---|
| Below KES 25 | Above 10% | Very attractive entry |
| KES 25–33 | 7.6–10% | Attractive — current trading range |
| KES 33–40 | 6.3–7.6% | Fair value — monitor before buying |
| Above KES 40 | Below 6.3% | Premium — wait for a pullback |
Who should own COOP:
- SACCO members who want to invest in the bank that serves the cooperative movement
- Income investors wanting a dependable 7–10% yield from a bank with growing profits and moderate payout levels
- First-time NSE investors — at ~KES 31.60 per share, COOP is more accessible than KCB (~KES 76) or Equity (~KES 50)
- Long-term holders who believe in Kenya’s expanding cooperative sector and the planned regional expansion via the Co-opbank Group PLC holding company restructure
Haven’t Received Your Dividend? Do This Now
If the co-operative bank dividends 2026 payout date of June 5 has passed and your funds have not arrived, the problem is almost always one of the following:
Check 1: Your registered bank account. The single most common reason dividend payments fail is an outdated bank account on the CDS record. If you changed banks recently and did not update your CDS details, the payment will have been returned. Contact your NSE stockbroker immediately and submit a bank mandate update form. Resolution typically takes 5–10 business days.
Check 2: Your CDS account status. Log into your broker’s platform or the CDSC portal at cdsckenya.com and confirm your CDS account is active and linked to your current KRA PIN. Dormant or unlinked accounts can delay payments.
Check 3: SACCO-held shares. If you hold COOP shares through a SACCO’s collective investment scheme, the dividend is paid to the SACCO first and then distributed to members according to your SACCO’s specific timeline and rules. Contact your SACCO administrator directly for their distribution schedule.
Check 4: Broker processing time. Some brokers process dividend credits slightly later than the official payment date. If everything above checks out, allow 3–5 additional business days before escalating.
How to Qualify for the Next Co-operative Bank Dividend
Three things you need in place before the next book closure is announced:
1. An active CDS account linked to your KRA PIN. If you do not have one yet, allow 5–10 business days to open it through a licensed NSE stockbroker. Mobile platforms like Mali App and Hisa App allow you to open a CDS account and buy shares entirely from your smartphone. See our full guide on how to invest in the NSE Kenya 2026.
2. A current, active Kenyan bank account registered on your CDS. This is the step most investors skip — and the most common reason payouts fail. Verify your registered bank details now, before the next announcement, not after.
3. Capital positioned before the book closure date. When the FY2026 interim book closure is announced — expected around November 2026 — buy your shares at least five business days before that date. Factor in weekends and public holidays when counting backward.
Positioning for the FY2026 COOP Dividend Cycle
Here is what to watch for over the rest of 2026:
August/September 2026 — FY2026 half-year results Co-operative Bank will publish its H1 FY2026 results, typically accompanied by an interim dividend announcement if the board approves one. This is when the next dividend amount and book closure date will be confirmed.
November 2026 — Expected FY2026 interim book closure Based on the December 2025 interim payment, the FY2026 interim book closure is expected in November 2026. This is your next actionable deadline.
March/April 2027 — FY2026 final results and dividend announcement The full-year FY2026 results and final dividend recommendation will follow in early 2027, with book closure expected around April/May 2027.
Target price range for income investors entering now:
- Below KES 25: yield above 10% on a KES 2.50 dividend — very attractive
- KES 25–33: yield 7.6–10% — current range, still compelling
- Above KES 33: monitor before buying
Frequently Asked Questions
What is the Co-operative Bank dividends 2026 payout date? The Co-operative Bank final dividend payout date for 2026 is June 5, 2026. The KES 1.50 final dividend (net KES 1.425 after 5% withholding tax) was paid to all shareholders registered at the book closure date of May 4, 2026. The KES 1.00 interim dividend was paid separately in December 2025.
What is the co operative bank dividends 2026 payout date in Kenya? The final dividend of KES 1.50 per share was paid on June 5, 2026 in Kenya, to all shareholders registered on the CDSC register by May 4, 2026. The total FY2025 dividend across both payments is KES 2.50 per share.
What is the total COOP dividend for 2026? The total COOP dividend for FY2025 (paid across 2025–2026) is KES 2.50 per share — comprising a KES 1.00 interim paid December 2025 and a KES 1.50 final paid June 5, 2026. This is a 67% increase from the KES 1.50 total paid in 2025.
When is the cooperative bank book closure 2026? The cooperative bank book closure for the FY2025 final dividend was May 4, 2026 — this date has now passed. The next book closure, for the FY2026 interim dividend, is expected around November 2026. Monitor nse.co.ke for the official announcement.
When does Co-operative Bank pay dividends? Historically COOP paid once per year. Following the first-ever interim dividend in December 2025, the bank has shifted to a twice-yearly model — an interim dividend around November/December and a final dividend around June. This structure is expected to continue for the FY2026 cycle.
What is the COOP share price and dividend yield in 2026? COOP shares trade at approximately KES 31.60, giving a dividend yield of approximately 7.9% on the total KES 2.50 FY2025 dividend. The stock has gained approximately 31.9% year-to-date from KES 23.95 in January 2026.
Is COOP a good investment in 2026? At ~KES 31.60 with a ~7.9% yield, growing profits (PAT up 16.9% to KES 29.75 billion), a sustainable 49.3% payout ratio, and a planned regional holding company restructure, COOP is one of the more compelling income-and-growth combinations on the NSE. New buyers today are positioning for the FY2026 dividend cycle, not the FY2025 dividend that has already been paid.
Can SACCO members buy COOP shares individually? Yes. Any Kenyan with a CDS account can buy COOP shares through a licensed NSE stockbroker, regardless of SACCO membership. SACCO members should also check whether their SACCO holds COOP shares collectively — in which case dividends may flow through the SACCO automatically according to the society’s distribution timeline.
What is the coop bank dividends 2026 payout date for the interim? The FY2026 interim dividend has not yet been announced. Based on the 2025 pattern, the interim announcement is expected around August/September 2026 with a book closure in November 2026 and payment in December 2026.
More NSE Dividend Guides
- KCB Dividends 2026 — record KES 7.00 per share, pays twice yearly
- Equity Bank Dividends 2026 — record KES 5.75 per share after 55% profit jump
- NSE Book Closure Dates 2026 — all payment dates and deadlines in one tracker
- Best Money Market Funds Kenya 2026 — where to save while building your NSE portfolio
- How to Invest in NSE Kenya 2026 — start with KES 500
FY2025 results confirmed March 19, 2026. Final dividend ex-date May 4, 2026; payment date June 5, 2026. Share price approximately KES 31.60 as at May 2026. Holding company restructure subject to shareholder and regulatory approval. For official corporate actions, verify at cdsckenya.com and nse.co.ke. This article is for educational purposes only and does not constitute financial advice.
