COOP Dividends 2026: Payout Date, Amount & Earnings by Shareholding

The COOP dividends 2026 payout date for the final dividend is June 5, 2026 — with KES 1.50 per share going to all shareholders registered at the close of business on May 4, 2026. Combined with the KES 1.00 interim dividend paid in December 2025, the total COOP dividend for 2026 stands at KES 2.50 per share — a 67% increase from KES 1.50 paid last year and the largest single payout in Co-operative Bank’s history. The ex-dividend date of May 4 has now passed.

This guide covers the confirmed FY2025 figures, your net earnings by shareholding, and how to position for the FY2026 dividend cycle.

COOP Dividends 2026 — Confirmed Payout Date, Book Close & Total Amount

Co-operative Bank Dividend 2026 — Confirmed FY2025 Results

Record profit and a 67% dividend increase

Co-operative Bank recorded a Profit Before Tax of KES 40.3 billion for FY2025 — the best performance in the bank’s history — and a Profit After Tax of KES 29.75 billion, up 16.9% from KES 25.46 billion in 2024. Shareholders will receive a total dividend of KES 2.50 per share, up from KES 1.50 paid in 2024 — a 67% increase and the largest single-year jump in Co-operative Bank dividend history.

At the nine-month stage, profit after tax had already reached KES 21.56 billion — a 12.3% year-on-year increase — with total assets at KES 815.3 billion, loans up 6.6% to KES 406.5 billion, and customer deposits up 6.7% to KES 548.6 billion.

The dividend structure

The KES 2.50 total comprises a KES 1.50 final dividend and a KES 1.00 interim dividend paid in December 2025. If you were on the COOP shareholder register at the close of business on 26 November 2025, you have already received the KES 1.00 interim dividend. The KES 1.50 final dividend was approved at the AGM, with an ex-dividend date of 4 May 2026 and a payment date of 5 June 2026.

How Much Will You Earn from COOP Dividends in 2026?

Co-operative bank dividend 2026 — net earnings by shareholding after 5% withholding tax.

Tax note: 5% withholding tax for Kenyan resident individuals is deducted automatically. No filing required.

Investment context: COOP’s current share price is KES 31.60, having gained 31.9% year-to-date — ranking 10th on the NSE. At KES 31.60 per share, 1,000 shares requires a KES 31,600 investment generating KES 2,375 net annual dividend — a yield of approximately 7.5% at current purchase price. Investors who bought in January at KES 23.95 are sitting on a yield of approximately 9.9% on their purchase price, plus a 32% capital gain.

Co-operative Bank Dividend History — Updated 5-Year Table

The COOP dividend 2026 of KES 2.50 continues five consecutive years of dividend growth.

The most significant change in 2026 is not just the higher dividend — it is the structural shift to a two-payment model. COOP paid its first-ever interim dividend in December 2025, matching KCB Group in offering shareholders twice-yearly income. This signals management confidence in the sustainability of the higher payout level.

Co-operative Bank Dividend Key Dates — Confirmed

The key dates for the Co-operative Bank dividend 2026 final payment are now confirmed.

The ex-dividend date has now passed. If you were on the register before 4 May 2026, you are entitled to the KES 1.50 final dividend, payable on 5 June 2026.

The T+3 rule: For future dividends, buy COOP shares at least five business days before the ex-dividend date to ensure settlement by book close. NSE shares take three business days to settle after purchase.

Before payment date: Verify your CDS account has a current, active Kenyan bank account registered. If you have changed banks recently, update your details with your broker now.

For SACCO members: If you hold COOP shares through your SACCO’s collective investment scheme, the dividend is paid to the SACCO first and distributed to members according to your society’s rules. Check with your SACCO administrator for their specific timeline and distribution process.

Are the COOP Dividends 2026 Sustainable?

Co-operative Bank’s payout ratio is approximately 49.3% — meaning the bank retains over 50% of its profits for growth and capital requirements. While this is higher than last year’s ratio (as profits from the interim dividend period are now fully accounted for), it remains a manageable level for a bank with growing earnings and a loyal cooperative customer base.

What supports the dividend going forward:

The cooperative banking model provides genuine stability. COOP’s customer base — farmers, teachers, SACCO members, county employees, rural cooperatives — is more geographically diversified and less cyclically sensitive than urban commercial banking. When Nairobi corporate banking slows, agricultural cooperative lending often holds steady.

Digital banking growth is accelerating — net loans grew 12.65% and customer deposits grew 13.28% in FY2025. Over 90% of all customer transactions are now processed through alternative channels including mobile, internet, and USSD platforms. MCo-op Cash is expanding COOP’s reach into underserved rural markets that commercial banks cannot easily replicate.

New development — holding company restructure: The board has approved a plan to reorganise Co-operative Bank into a non-operating holding company structure, to be renamed Co-opbank Group PLC. A new subsidiary, Co-op Bank Kenya Limited, would run the actual banking operations. The restructure still requires AGM shareholder approval and sign-off from the CBK, CMA, and other regulators. If approved, this structure mirrors what Equity Group Holdings did in 2014 and would position COOP for regional expansion beyond its current South Sudan presence.

The one risk to monitor: Agricultural sector stress. COOP’s exposure to farmer cooperatives means a drought year or collapse in commodity prices can affect loan repayment quality. This is a real risk but one COOP has managed through multiple agricultural cycles.

COOP Share Price — The 2026 Rally

COOP began the year at KES 23.95 and has since gained 31.9%, reaching KES 31.60 — ranking 10th on the NSE in year-to-date performance. The all-time high of KES 34.30 was reached on 14 April 2026. The rally reflects genuine improvement in COOP’s underlying profitability and the broader banking sector re-rating as NSE investors rotate into dividend-paying stocks.

At KES 31.60 the yield is approximately 7.9% on the KES 2.50 total dividend. At the January price of KES 23.95, the yield on cost for early-year buyers is approximately 10.4%.

COOP vs NSE Banking Peers — How It Compares

KCB’s KES 7.00 total includes a special dividend tied to the disposal of NBK and should not be assumed to represent recurring payout capacity going forward.

COOP sits at the intersection of good yield (7.9%) and improving dividend safety (49.3% payout on growing profits). Standard Chartered’s headline yield is higher, but its 95.5% payout ratio following a 38% profit decline makes it significantly riskier for income investors. COOP’s growing profits and disciplined approach make it one of the more dependable income growth stories on the NSE.

Should You Buy COOP Shares?

Note: The ex-dividend date of 4 May 2026 has passed. Buyers today will not receive the FY2025 final dividend but may position for the FY2026 dividend cycle.

At what price does COOP become very attractive for the next dividend cycle?

Who should own COOP:

• SACCO members who want to invest in the bank that serves their cooperative movement
• Income investors wanting a dependable 7–10% yield with moderate payout levels and growing profits
• First-time NSE investors — at KES 31.60 per share the entry cost is more accessible than KCB (KES 76) or Equity (KES 50)
• Long-term holders who believe in Kenya’s expanding cooperative sector and potential regional growth via the planned holding company structure

How to Qualify for Future Co-operative Bank Dividends

Three requirements:

1. Own COOP shares before the next ex-dividend date. The FY2025 ex-date (4 May 2026) has passed. Watch for the FY2026 interim dividend announcement, likely around November 2026. Buy at least five business days before the ex-date to ensure T+3 settlement.

2. Valid CDS account in your name. Linked to your KRA PIN, active and current. If you do not have a CDS account yet, see our How to Invest in NSE Kenya 2026 guide — allow five to ten business days to open.

3. Current bank account registered on CDS. All major Kenyan banks accepted. Keep your registered details up to date with your broker.

FAQ

What is the COOP dividends 2026 payout date? The Co-operative Bank (COOP) final dividend payout date for 2026 is June 5, 2026. The KES 1.50 final dividend (net KES 1.425 after 5% withholding tax) is paid to all shareholders on the register as at the ex-dividend and book closure date of May 4, 2026. The KES 1.00 interim dividend was paid separately in December 2025.

What is the total COOP dividend for 2026? The total COOP dividend for FY2025 (paid in 2025–2026) is KES 2.50 per share — comprising a KES 1.00 interim paid December 2025 and a KES 1.50 final to be paid June 5, 2026. This is a 67% increase from the KES 1.50 total paid in 2025 and the largest annual dividend in Co-operative Bank’s history.

Has the COOP dividend 2026 book closure passed? Yes. The Co-operative Bank 2026 final dividend book closure (ex-dividend date) was May 4, 2026. If you held COOP shares before that date, you will receive the KES 1.50 final dividend on June 5, 2026. New buyers after May 4 will not receive the FY2025 final dividend but can position for the FY2026 dividend cycle.

What is the COOP share price and yield in 2026? COOP shares are currently trading 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, ranking 10th on the NSE in year-to-date performance.

What is the COOP dividend 2026 per share? KES 2.50 total — comprising KES 1.00 interim paid in December 2025 and KES 1.50 final payable on 5 June 2026. After 5% withholding tax, the net total is KES 2.375 per share.

When is the Co-operative Bank final dividend payment date 2026? The KES 1.50 final dividend will be paid on 5 June 2026, with an ex-dividend date of 4 May 2026. Shareholders on the register as of 4 May 2026 are entitled to receive it.

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), and a planned restructure into a regional holding company, COOP is one of the more compelling income-and-growth combinations on the NSE. Note that the FY2025 final dividend ex-date has passed — new buyers are positioning for the FY2026 dividend cycle.

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 can also check whether their SACCO holds COOP shares collectively — in which case dividends may flow through the SACCO automatically.

FY2025 results confirmed 19 March 2026. Final dividend ex-date 4 May 2026; payment date 5 June 2026. Share price KES 31.60 as at 13 May 2026. Holding company restructure subject to shareholder and regulatory approval. This article is for educational purposes only and does not constitute financial advice.