Model

Use cases · Individuals

Dividend investor: 20 ways to use Ora

Builds income: yield, growth streaks, ex-dates, cuts and the price trend under the payout. Each example is a complete, runnable request with the real answers it returned (47 requests, captured 2026-10-31), what they mean and, where it fits, the action it would send.

Run withAnswers were captured on ora-fin-0.1.1. Another model changes the request JSON and the Playground link; run it there to see its answers.

Rule functions and facts used by this player (35)

div_yield_ttm 14 sma 11 raised_last 8 years_of_growth 5 cut_last 5 max 5 div_count_ttm 3 div_change_pct 3 days_to_ex_div 2 rsi 2 beat_eps_last 2 miss_eps_last 1 last_div_amount 1 next_div_amount 1 days_since_ex_div 1 zscore 1 ref 1 eps_year_ago 1 last_eps 1 revenue_growth_yoy 1 adx 1 div_ttm 1 pays_dividend 1 roc 1 atr 1 bbmid 1 log 1 offset 1 sqrt 1 std 1 hammer 1 inverted_hammer 1 lowest 1 tweezer_bottom 1 median 1

Examples 11–20 of 20 · page 2 of 2

Dividend investor · example 11

Is the 'cut' at XOM really a special dividend

A special followed by a regular payment reads as a cut; compare the amounts before acting.

ora-fin-0.1.1XOM4 questions

StateXOM
Questions4 asked
Answersreal, captured
Actionsnone

State

{"symbol":"XOM"} The server fills in the latest completed session.

Questions

`cut`	English → rule	Did the stock cut its dividend last time?
`change`	rule	`div_change_pct < 0` Last payment below the previous one
`count`	rule	`div_count_ttm >= 4` Four or more ex-dates in the past year
`ttm2`	English → rule	Has the stock paid more than $2 per share in dividends over the past year?

Answers

Question	Answer	Reading
`cut` Did the stock cut its dividend last time compiled to `cut_last > 0.5`	0.1409	false
`change` Last payment below the previous one	0.45	on the line (false)
`count` Four or more ex-dates in the past year	0.55	on the line (true)
`ttm2` Has the stock paid more than $2 per share in dividends over the past year compiled to `div_ttm > 2`	0.9463	true

What it means

For XOM on the session of 2026-10-30: True now: Has the stock paid more than $2 per share in dividends over the past year. Not true: Did the stock cut its dividend last time. On the line: Last payment below the previous one; Four or more ex-dates in the past year.

If four or more payments came in a year and the trailing total is steady, a one-off cut flag is the special payment rolling off.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "XOM"
  },
  "questions": {
    "cut": {
      "type": "yes_no",
      "instructions": "Did the stock cut its dividend last time?"
    },
    "change": {
      "type": "yes_no",
      "ask": "div_change_pct < 0"
    },
    "count": {
      "type": "yes_no",
      "ask": "div_count_ttm >= 4"
    },
    "ttm2": {
      "type": "yes_no",
      "instructions": "Has the stock paid more than $2 per share in dividends over the past year?"
    }
  }
}

Response JSON (XOM, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "cut": {
      "yes_no": 0.1409,
      "rule": "cut_last > 0.5",
      "basis": "pattern"
    },
    "change": {
      "yes_no": 0.45,
      "rule": "div_change_pct < 0",
      "basis": "rule"
    },
    "count": {
      "yes_no": 0.55,
      "rule": "div_count_ttm >= 4",
      "basis": "rule"
    },
    "ttm2": {
      "yes_no": 0.9463,
      "rule": "div_ttm > 2",
      "basis": "pattern"
    }
  },
  "context": {
    "symbol": "XOM",
    "as_of": "2026-10-30"
  }
}

cut_last div_change_pct div_count_ttm div_ttm

Try it in the Playground

Dividend investor · example 12

Email me three days before PG's ex-dividend

Buy before the ex-date to get the payment; a reminder arrives when the date is close.

ora-fin-0.1.1PG4 questions1 action

StatePG
Questions4 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"PG"} The server fills in the latest completed session.

Questions

`ex3`	rule	`days_to_ex_div <= 3` Declared ex-date within 3 days
`ex_soon`	rule	`days_to_ex_div <= 30` Goes ex-dividend within 30 days
`trend`	rule	`C > sma(C, 50)` Above the 50-day average
`pays`	rule	`pays_dividend > 0.5` Pays a dividend

Answers

Question	Answer	Reading
`ex3` Declared ex-date within 3 days	0.0537	false
`ex_soon` Goes ex-dividend within 30 days	0.0537	false
`trend` Above the 50-day average	0.9375	true
`pays` Pays a dividend	0.8591	true

Actions

Rules on the answers decide what to send.

ex3 >= 0.6→Emailme

What each action would send 0 of 1 fired · dry run, nothing sent

ex_reminderrule false: skipped

What it means

For PG on the session of 2026-10-30: True now: Above the 50-day average; Pays a dividend. Not true: Declared ex-date within 3 days; Goes ex-dividend within 30 days. No action fired: every rule was false.

The reminder only fires inside three days of a declared ex-date.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "PG"
  },
  "questions": {
    "ex3": {
      "type": "yes_no",
      "ask": "days_to_ex_div <= 3"
    },
    "ex_soon": {
      "type": "yes_no",
      "ask": "days_to_ex_div <= 30"
    },
    "trend": {
      "type": "yes_no",
      "ask": "C > sma(C, 50)"
    },
    "pays": {
      "type": "yes_no",
      "ask": "pays_dividend > 0.5"
    }
  },
  "actions": [
    {
      "id": "ex_reminder",
      "when": "ex3 >= 0.6",
      "do": "email",
      "connection": "me",
      "subject": "{{symbol}} goes ex-dividend within 3 days",
      "message": "{{symbol}} ({{as_of}}): buy before the ex-date to receive the next payment. Above the 50-day: {{trend|pct}}."
    }
  ],
  "dry_run": true
}

Response JSON (PG, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "ex3": {
      "yes_no": 0.0537,
      "rule": "days_to_ex_div <= 3",
      "basis": "rule"
    },
    "ex_soon": {
      "yes_no": 0.0537,
      "rule": "days_to_ex_div <= 30",
      "basis": "rule"
    },
    "trend": {
      "yes_no": 0.9375,
      "rule": "C > sma(C, 50)",
      "basis": "rule"
    },
    "pays": {
      "yes_no": 0.8591,
      "rule": "pays_dividend > 0.5",
      "basis": "rule"
    }
  },
  "context": {
    "symbol": "PG",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "ex_reminder",
      "fired": false,
      "status": "skipped"
    }
  ]
}

days_to_ex_div pays_dividend sma

Try it in the Playground

Dividend investor · example 13

Dividend growth with price momentum: MSFT, HD, COST, UNH

Dividend growers that are also price leaders: the payout grows and so does the stock.

ora-fin-0.1.14 symbols, one request each5 questions

State4 symbols
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"MSFT"} then HD, COST, UNH, one request each. The server fills in the latest completed session.

Questions

`raised`	rule	`raised_last > 0.5` Raised its last dividend
`raise5`	English → rule	Was the last dividend raised by more than 5%?
`leader`	rule	`roc(C, 63) > 10 and C >= 0.95 * max(H, 63)` Up more than 10% in a quarter, near the high
`rsi50`	rule	`rsi(C, 14) > 50` RSI above 50
`rally5`	forecast	Will it rally at least 5% at some point in the next month? A 5% rally within a month

Answers

Symbol	`raised`rule	`raise5`rule	`leader`rule	`rsi50`rule	`rally5`forecast
`MSFT`	0.1409	0.1409	0.3324	0.4101	0.495
`HD`	0.1409	0.1409	0.1142	0.9001	0.524
`COST`	0.1409	0.1409	0.2031	0.901	0.353
`UNH`	0.1409	0.1409	0.0723	0.7746	0.509

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 4 symbols: Raised its last dividend: true for none of 4. Was the last dividend raised by more than 5%: true for none of 4. Up more than 10% in a quarter, near the high: true for none of 4. RSI above 50: true for HD, COST, UNH of 4. Highest odds for “A 5% rally within a month”: HD at 52%.

A raise above five percent with price leadership is the core of a dividend-growth sleeve.

Request JSON (MSFT; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "MSFT"
  },
  "questions": {
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "raise5": {
      "type": "yes_no",
      "instructions": "Was the last dividend raised by more than 5%?"
    },
    "leader": {
      "type": "yes_no",
      "ask": "roc(C, 63) > 10 and C >= 0.95 * max(H, 63)"
    },
    "rsi50": {
      "type": "yes_no",
      "ask": "rsi(C, 14) > 50"
    },
    "rally5": {
      "type": "yes_no",
      "instructions": "Will it rally at least 5% at some point in the next month?"
    }
  }
}

Response JSON (MSFT, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "raised": {
      "yes_no": 0.1409,
      "rule": "raised_last > 0.5",
      "basis": "rule"
    },
    "raise5": {
      "yes_no": 0.1409,
      "rule": "div_change_pct > 5",
      "basis": "pattern"
    },
    "leader": {
      "yes_no": 0.3324,
      "rule": "roc(C, 63) > 10 and C >= 0.95 * max(H, 63)",
      "basis": "rule"
    },
    "rsi50": {
      "yes_no": 0.4101,
      "rule": "rsi(C, 14) > 50",
      "basis": "rule"
    },
    "rally5": {
      "yes_no": 0.495
    }
  },
  "context": {
    "symbol": "MSFT",
    "as_of": "2026-10-30"
  }
}

div_change_pct max raised_last roc rsi

Try it in the Playground

Dividend investor · example 14

DRIP or cash? Reinvest when JNJ trades below its average

Turn off automatic reinvestment when the stock is stretched, and reinvest when it is below its averages.

ora-fin-0.1.1JNJ4 questions2 actions

StateJNJ
Questions4 asked
Answersreal, captured
Actions2 rules · dry run

State

{"symbol":"JNJ"} The server fills in the latest completed session.

Questions

`below50`	rule	`C < sma(C, 50)` Below the 50-day
`below_mid`	rule	`C < bbmid(C, 20)` Below the middle Bollinger Band
`stretched`	rule	`C > sma(C, 20) + 2 * atr(14)` Stretched: more than 2 ATR above the 20-day
`up_week`	forecast	Will the stock be higher in a week? Higher in a week

Answers

Question	Answer	Reading
`below50` Below the 50-day	0.1691	false
`below_mid` Below the middle Bollinger Band	0.0783	false
`stretched` Stretched: more than 2 ATR above the 20-day	0.4048	on the line (false)
`up_week` Higher in a week	0.525	53% · close to even

Actions

Rules on the answers decide what to send.

below50 >= 0.6→Webhookbroker-api

stretched >= 0.6→Webhookbroker-api

What each action would send 0 of 2 fired · dry run, nothing sent

broker_drip_onrule false: skipped

broker_drip_offrule false: skipped

What it means

For JNJ on the session of 2026-10-30: Not true: Below the 50-day; Below the middle Bollinger Band. On the line: Stretched: more than 2 ATR above the 20-day. Forecasts: Higher in a week 53%. No action fired: every rule was false.

Below the averages, the dividend is reinvested; stretched, it is held as cash for later.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "JNJ"
  },
  "questions": {
    "below50": {
      "type": "yes_no",
      "ask": "C < sma(C, 50)"
    },
    "below_mid": {
      "type": "yes_no",
      "ask": "C < bbmid(C, 20)"
    },
    "stretched": {
      "type": "yes_no",
      "ask": "C > sma(C, 20) + 2 * atr(14)"
    },
    "up_week": {
      "type": "yes_no",
      "instructions": "Will the stock be higher in a week?"
    }
  },
  "actions": [
    {
      "id": "broker_drip_on",
      "when": "below50 >= 0.6",
      "do": "webhook",
      "connection": "broker-api",
      "body": {
        "account": "income",
        "symbol": "{{symbol}}",
        "drip": "on",
        "as_of": "{{as_of}}"
      }
    },
    {
      "id": "broker_drip_off",
      "when": "stretched >= 0.6",
      "do": "webhook",
      "connection": "broker-api",
      "body": {
        "account": "income",
        "symbol": "{{symbol}}",
        "drip": "off",
        "as_of": "{{as_of}}"
      }
    }
  ],
  "dry_run": true
}

Response JSON (JNJ, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "below50": {
      "yes_no": 0.1691,
      "rule": "C < sma(C, 50)",
      "basis": "rule"
    },
    "below_mid": {
      "yes_no": 0.0783,
      "rule": "C < bbmid(C, 20)",
      "basis": "rule"
    },
    "stretched": {
      "yes_no": 0.4048,
      "rule": "C > sma(C, 20) + 2 * atr(14)",
      "basis": "rule"
    },
    "up_week": {
      "yes_no": 0.525
    }
  },
  "context": {
    "symbol": "JNJ",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "broker_drip_on",
      "fired": false,
      "status": "skipped"
    },
    {
      "id": "broker_drip_off",
      "fired": false,
      "status": "skipped"
    }
  ]
}

atr bbmid sma

Try it in the Playground

Dividend investor · example 15

Covered-call income funds: JEPI and QYLD

Option-income ETFs pay high yields but give up upside; check trend and drawdown.

ora-fin-0.1.12 symbols, one request each5 questions

State2 symbols
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"JEPI"} then QYLD, one request each. The server fills in the latest completed session.

Questions

`monthly`	English → rule	Does the stock pay a monthly dividend?
`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`trend`	English → rule	Is the stock above its 200-day moving average?
`drawdown`	rule	`C < 0.8 * max(H, 252)` More than 20% off the 52-week high
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Symbol	`monthly`rule	`yield3`rule	`trend`rule	`drawdown`rule	`drop5`forecast
`JEPI`	0.8591	0.9463	0.9463	0.0537	0.071
`QYLD`	0.8591	0.9463	0.9463	0.0537	0.223

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 2 symbols: Does the stock pay a monthly dividend: true for JEPI, QYLD of 2. Yield above 3%: true for JEPI, QYLD of 2. Is the stock above its 200-day moving average: true for JEPI, QYLD of 2. More than 20% off the 52-week high: true for none of 2. Highest odds for “A 5% drawdown within a month”: QYLD at 22%.

Monthly payments with an intact trend keep these as income sleeves; a deep drawdown means the yield is being paid out of capital.

Request JSON (JEPI; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "JEPI"
  },
  "questions": {
    "monthly": {
      "type": "yes_no",
      "instructions": "Does the stock pay a monthly dividend?"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "trend": {
      "type": "yes_no",
      "instructions": "Is the stock above its 200-day moving average?"
    },
    "drawdown": {
      "type": "yes_no",
      "ask": "C < 0.8 * max(H, 252)"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  }
}

Response JSON (JEPI, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "monthly": {
      "yes_no": 0.8591,
      "rule": "div_count_ttm >= 11",
      "basis": "pattern"
    },
    "yield3": {
      "yes_no": 0.9463,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "trend": {
      "yes_no": 0.9463,
      "rule": "C > sma(C, 200)",
      "basis": "comparison"
    },
    "drawdown": {
      "yes_no": 0.0537,
      "rule": "C < 0.8 * max(H, 252)",
      "basis": "rule"
    },
    "drop5": {
      "yes_no": 0.071
    }
  },
  "context": {
    "symbol": "JEPI",
    "as_of": "2026-10-30"
  }
}

div_count_ttm div_yield_ttm max sma

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Dividend investor · example 16

Utilities as defensive income: XLU, NEE, DUK, SO

Utilities hold up in risk-off weeks; check yield and relative calm.

ora-fin-0.1.14 symbols, one request each4 questions

State4 symbols
Questions4 asked
Answersreal, captured
Actionsnone

State

{"symbol":"XLU"} then NEE, DUK, SO, one request each. The server fills in the latest completed session.

Questions

`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`hv_low`	English → rule	Is 20-day historical volatility below 20%?
`trend`	rule	`C > sma(C, 50)` Above the 50-day average
`beat_spy`	forecast	Will it beat SPY over the next month? Beating SPY over a month

Answers

Symbol	`yield3`rule	`hv_low`rule	`trend`rule	`beat_spy`forecast
`XLU`	0.0537	0.9117	0.8865	0.445
`NEE`	0.3876	0.1322	0.8965	0.491
`DUK`	0.9463	0.3415	0.933	0.492
`SO`	0.9463	0.2471	0.9128	0.484

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 4 symbols: Yield above 3%: true for DUK, SO of 4. Is 20-day historical volatility below 20%: true for XLU of 4. Above the 50-day average: true for XLU, NEE, DUK, SO of 4. Highest odds for “Beating SPY over a month”: DUK at 49%.

Calm, yielding utilities in trend are where the income investor hides; weak ones get trimmed.

Request JSON (XLU; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "XLU"
  },
  "questions": {
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "hv_low": {
      "type": "yes_no",
      "instructions": "Is 20-day historical volatility below 20%?"
    },
    "trend": {
      "type": "yes_no",
      "ask": "C > sma(C, 50)"
    },
    "beat_spy": {
      "type": "yes_no",
      "instructions": "Will it beat SPY over the next month?"
    }
  }
}

Response JSON (XLU, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "yield3": {
      "yes_no": 0.0537,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "hv_low": {
      "yes_no": 0.9117,
      "rule": "std(log(C / C[-1]), 20) * sqrt(20 / 19) * sqrt(252) < 0.2",
      "basis": "pattern"
    },
    "trend": {
      "yes_no": 0.8865,
      "rule": "C > sma(C, 50)",
      "basis": "rule"
    },
    "beat_spy": {
      "yes_no": 0.445
    }
  },
  "context": {
    "symbol": "XLU",
    "as_of": "2026-10-30"
  }
}

div_yield_ttm log offset sma sqrt std

Try it in the Playground

Dividend investor · example 17

Quarterly dividend review row to a spreadsheet (Zapier)

Append a row per holding with the dividend facts so the yearly review writes itself.

ora-fin-0.1.12 symbols, one request each5 questions1 action

State2 symbols
Questions5 asked
Answersreal, captured
Actions1 rule · dry run

State

{"symbol":"KO"} then PEP, one request each. The server fills in the latest completed session.

Questions

`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`raised`	rule	`raised_last > 0.5` Raised its last dividend
`grower`	rule	`years_of_growth >= 10` Ten years of dividend growth
`cut`	English → rule	Did the stock cut its dividend last time?
`raise_next`	forecast	Will the company raise its dividend next year? Raising the dividend next year

Answers

Symbol	`yield3`rule	`raised`rule	`grower`rule	`cut`rule	`raise_next`forecast	Fired
`KO`	0.0537	0.1409	0.9463	0.1409	0.517	`row`
`PEP`	0.9463	0.1409	0.9463	0.1409	0.496	`row`

true false not known for rules; forecasts are odds. Hover a column for its question.

Actions

Rules on the answers decide what to send. Each symbol runs its own request, so each one can fire.

yield3 >= 0→Webhookzapier-sheet

KO 1 of 1 fired · dry run, nothing sent

rowwould send (dry run)Webhook → zapier-sheet

{
  "symbol": "KO",
  "as_of": "2026-10-30",
  "yield_above_3": 0.0537,
  "raised_last": 0.1409,
  "grew_10y": 0.9463,
  "cut_last": 0.1409,
  "p_raise_next_year": 0.517
}

PEP 1 of 1 fired · dry run, nothing sent

rowwould send (dry run)Webhook → zapier-sheet

{
  "symbol": "PEP",
  "as_of": "2026-10-30",
  "yield_above_3": 0.9463,
  "raised_last": 0.1409,
  "grew_10y": 0.9463,
  "cut_last": 0.1409,
  "p_raise_next_year": 0.496
}

What it means

Session of 2026-10-30, 2 symbols: Yield above 3%: true for PEP of 2. Raised its last dividend: true for none of 2. Ten years of dividend growth: true for KO, PEP of 2. Did the stock cut its dividend last time: true for none of 2. Highest odds for “Raising the dividend next year”: KO at 52%. row fired for KO, PEP.

Every run appends a row; the spreadsheet shows the dividend story over the year.

Request JSON (KO; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "KO"
  },
  "questions": {
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "grower": {
      "type": "yes_no",
      "ask": "years_of_growth >= 10"
    },
    "cut": {
      "type": "yes_no",
      "instructions": "Did the stock cut its dividend last time?"
    },
    "raise_next": {
      "type": "yes_no",
      "instructions": "Will the company raise its dividend next year?"
    }
  },
  "actions": [
    {
      "id": "row",
      "when": "yield3 >= 0",
      "do": "webhook",
      "connection": "zapier-sheet",
      "body": {
        "symbol": "{{symbol}}",
        "as_of": "{{as_of}}",
        "yield_above_3": "{{yield3}}",
        "raised_last": "{{raised}}",
        "grew_10y": "{{grower}}",
        "cut_last": "{{cut}}",
        "p_raise_next_year": "{{raise_next}}"
      }
    }
  ],
  "dry_run": true
}

Response JSON (KO, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "yield3": {
      "yes_no": 0.0537,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "raised": {
      "yes_no": 0.1409,
      "rule": "raised_last > 0.5",
      "basis": "rule"
    },
    "grower": {
      "yes_no": 0.9463,
      "rule": "years_of_growth >= 10",
      "basis": "rule"
    },
    "cut": {
      "yes_no": 0.1409,
      "rule": "cut_last > 0.5",
      "basis": "pattern"
    },
    "raise_next": {
      "yes_no": 0.517
    }
  },
  "context": {
    "symbol": "KO",
    "as_of": "2026-10-30"
  },
  "actions": [
    {
      "id": "row",
      "fired": true,
      "status": "dry_run",
      "do": "webhook",
      "connection": "zapier-sheet",
      "preview": {
        "body": {
          "symbol": "KO",
          "as_of": "2026-10-30",
          "yield_above_3": 0.0537,
          "raised_last": 0.1409,
          "grew_10y": 0.9463,
          "cut_last": 0.1409,
          "p_raise_next_year": 0.517
        }
      }
    }
  ]
}

cut_last div_yield_ttm raised_last years_of_growth

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Dividend investor · example 18

Hammer at the lows in VZ: an income entry

A reversal candle at the 20-day low in a high-yielder can be the time to add.

ora-fin-0.1.1VZ5 questions

StateVZ
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"VZ"} The server fills in the latest completed session.

Questions

`hammer_low`	rule	`hammer() and L <= 1.01 * lowest(L, 20)` Hammer at a 20-day low
`inv`	rule	`inverted_hammer()` inverted hammer candle: Shooting-star shape after a five-bar decline.
`tw_bot`	rule	`tweezer_bottom()` tweezer bottom candle: Red then green, with lows within 0.1% of each other.
`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`up_week`	forecast	Will the stock be higher in a week? Higher in a week

Answers

Question	Answer	Reading
`hammer_low` Hammer at a 20-day low	0.0667	false
`inv` inverted hammer candle: Shooting-star shape after a five-bar decline.	0.1565	false
`tw_bot` tweezer bottom candle: Red then green, with lows within 0.1% of each other.	0.1136	false
`yield3` Yield above 3%	0.9463	true
`up_week` Higher in a week	0.462	46% · close to even

What it means

For VZ on the session of 2026-10-30: True now: Yield above 3%. Not true: Hammer at a 20-day low; inverted hammer candle: Shooting-star shape after a five-bar decline.; tweezer bottom candle: Red then green, with lows within 0.1% of each other.. Forecasts: Higher in a week 46%.

A reversal candle at the low with the yield intact is an add; without a candle, the investor waits.

Request JSON

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "VZ"
  },
  "questions": {
    "hammer_low": {
      "type": "yes_no",
      "ask": "hammer() and L <= 1.01 * lowest(L, 20)"
    },
    "inv": {
      "type": "yes_no",
      "ask": "inverted_hammer()"
    },
    "tw_bot": {
      "type": "yes_no",
      "ask": "tweezer_bottom()"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "up_week": {
      "type": "yes_no",
      "instructions": "Will the stock be higher in a week?"
    }
  }
}

Response JSON (VZ, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "hammer_low": {
      "yes_no": 0.0667,
      "rule": "hammer() and L <= 1.01 * lowest(L, 20)",
      "basis": "rule"
    },
    "inv": {
      "yes_no": 0.1565,
      "rule": "inverted_hammer()",
      "basis": "rule"
    },
    "tw_bot": {
      "yes_no": 0.1136,
      "rule": "tweezer_bottom()",
      "basis": "rule"
    },
    "yield3": {
      "yes_no": 0.9463,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "up_week": {
      "yes_no": 0.462
    }
  },
  "context": {
    "symbol": "VZ",
    "as_of": "2026-10-30"
  }
}

div_yield_ttm hammer inverted_hammer lowest tweezer_bottom

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Dividend investor · example 19

Tobacco payers MO and PM: payout and price

High-yield tobacco stocks: is the payout raising and the price stable.

ora-fin-0.1.12 symbols, one request each5 questions

State2 symbols
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"MO"} then PM, one request each. The server fills in the latest completed session.

Questions

`raised`	rule	`raised_last > 0.5` Raised its last dividend
`yield3`	rule	`div_yield_ttm > 3` Yield above 3%
`grower`	rule	`years_of_growth >= 10` Ten years of dividend growth
`median_up`	rule	`C > median(C, 50)` Above its 50-day median close
`drop5`	forecast	Will it drop at least 5% at some point in the next month? A 5% drawdown within a month

Answers

Symbol	`raised`rule	`yield3`rule	`grower`rule	`median_up`rule	`drop5`forecast
`MO`	0.8591	0.9463	0.9463	0.9378	0.543
`PM`	0.8591	0.355	0.9463	0.9463	0.458

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 2 symbols: Raised its last dividend: true for MO, PM of 2. Yield above 3%: true for MO of 2. Ten years of dividend growth: true for MO, PM of 2. Above its 50-day median close: true for MO, PM of 2. Highest odds for “A 5% drawdown within a month”: MO at 54%.

Raised payouts and a price above its median keep the position; a cut is a hard review.

Request JSON (MO; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "MO"
  },
  "questions": {
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "yield3": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 3"
    },
    "grower": {
      "type": "yes_no",
      "ask": "years_of_growth >= 10"
    },
    "median_up": {
      "type": "yes_no",
      "ask": "C > median(C, 50)"
    },
    "drop5": {
      "type": "yes_no",
      "instructions": "Will it drop at least 5% at some point in the next month?"
    }
  }
}

Response JSON (MO, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "raised": {
      "yes_no": 0.8591,
      "rule": "raised_last > 0.5",
      "basis": "rule"
    },
    "yield3": {
      "yes_no": 0.9463,
      "rule": "div_yield_ttm > 3",
      "basis": "rule"
    },
    "grower": {
      "yes_no": 0.9463,
      "rule": "years_of_growth >= 10",
      "basis": "rule"
    },
    "median_up": {
      "yes_no": 0.9378,
      "rule": "C > median(C, 50)",
      "basis": "rule"
    },
    "drop5": {
      "yes_no": 0.543
    }
  },
  "context": {
    "symbol": "MO",
    "as_of": "2026-10-30"
  }
}

div_yield_ttm median raised_last years_of_growth

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Dividend investor · example 20

Bank dividends: JPM, BAC, WFC, C after their reports

Bank payouts move with earnings; check the reports and the raises.

ora-fin-0.1.14 symbols, one request each5 questions

State4 symbols
Questions5 asked
Answersreal, captured
Actionsnone

State

{"symbol":"JPM"} then BAC, WFC, C, one request each. The server fills in the latest completed session.

Questions

`beat`	English → rule	Did the stock beat EPS estimates last quarter?
`raised`	rule	`raised_last > 0.5` Raised its last dividend
`yield`	rule	`div_yield_ttm > 2` Dividend yield above 2%
`trend`	rule	`C > sma(C, 50)` Above the 50-day average
`raise_next`	forecast	Will the company raise its dividend next year? Raising the dividend next year

Answers

Symbol	`beat`rule	`raised`rule	`yield`rule	`trend`rule	`raise_next`forecast
`JPM`	0.1409	0.8591	0.0537	0.3034	0.499
`BAC`	0.1409	0.8591	0.9463	0.0951	0.469
`WFC`	0.8591	0.8591	0.7258	0.3296	0.503
`C`	0.8591	0.8591	0.5197	0.0765	0.492

true false not known for rules; forecasts are odds. Hover a column for its question.

What it means

Session of 2026-10-30, 4 symbols: Did the stock beat EPS estimates last quarter: true for WFC, C of 4. Raised its last dividend: true for JPM, BAC, WFC, C of 4. Dividend yield above 2%: true for BAC, WFC of 4. Above the 50-day average: true for none of 4. Highest odds for “Raising the dividend next year”: WFC at 50%.

Banks that beat and raised keep their income weight; misses without raises get trimmed.

Request JSON (JPM; the others differ only in the symbol)

{
  "model": "ora-fin-0.1.1",
  "state": {
    "symbol": "JPM"
  },
  "questions": {
    "beat": {
      "type": "yes_no",
      "instructions": "Did the stock beat EPS estimates last quarter?"
    },
    "raised": {
      "type": "yes_no",
      "ask": "raised_last > 0.5"
    },
    "yield": {
      "type": "yes_no",
      "ask": "div_yield_ttm > 2"
    },
    "trend": {
      "type": "yes_no",
      "ask": "C > sma(C, 50)"
    },
    "raise_next": {
      "type": "yes_no",
      "instructions": "Will the company raise its dividend next year?"
    }
  }
}

Response JSON (JPM, real)

{
  "model": "ora-fin-0.1.1",
  "answers": {
    "beat": {
      "yes_no": 0.1409,
      "rule": "beat_eps_last > 0.5",
      "basis": "pattern"
    },
    "raised": {
      "yes_no": 0.8591,
      "rule": "raised_last > 0.5",
      "basis": "rule"
    },
    "yield": {
      "yes_no": 0.0537,
      "rule": "div_yield_ttm > 2",
      "basis": "rule"
    },
    "trend": {
      "yes_no": 0.3034,
      "rule": "C > sma(C, 50)",
      "basis": "rule"
    },
    "raise_next": {
      "yes_no": 0.499
    }
  },
  "context": {
    "symbol": "JPM",
    "as_of": "2026-10-30"
  }
}

beat_eps_last div_yield_ttm raised_last sma

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Information, not investment advice. Rules answer from the latest completed daily session; forecasts are probabilities. Actions ran as dry runs: nothing was sent. More in Individuals: Retail investor, Active day trader, Swing trader, Options trader, Long-term passive investor, Crypto trader, FX trader, Commodities trader, Social trading community, Students and universities.

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Email me three days before PG's ex-dividend

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Quarterly dividend review row to a spreadsheet (Zapier)

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Hammer at the lows in VZ: an income entry

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Tobacco payers MO and PM: payout and price

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What it means

Bank dividends: JPM, BAC, WFC, C after their reports

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