They keep your dividend money and issue more stock like a stock dividend company and keep loaning our the cash paid in to more and more companies. Shareholders have been giving up on the company as they have not had a loan payback or retired loans of late. This is concerning to shareholders as big paybacks free up cash and inspire confidence in the company. I think that the loan book is discounted assuming possible loan losses. I am a recent buyer and I am still waiting for the first dividend in shares or cash if my broker did not allow stock. Did anyone get the most recent dividend paid? When?? Please post with comments on what is holding the stock back. Some I think might think Interest Rates will go up. Near $14 and under it may be a buy.