If you short , then you have to come up with the dividend. There isnt much play in the stock to come out ahead. If you shorted it for a year and the price dropped to 4.60 from 4.90 then you would pay the dividend of 26 cents. No gain here. This stock isnt going anywhere. It will be stuck in the 5 to 6 range. Dividend is Ok, you could by BNY and get a higher return. They are a regional conservative bank that has no vision, not competitive, and no prospects for growth in a dying area. They will muddle along for the next 25 years.