The current dividend rate is 8.2%, which is good, but I plan to hold it for a year.

Opinion: There is an 8% dividend per year under the current price. This kind of deep decline, once rebounded to over 27, is equivalent to waiting for a 12% profit in one year. And it is safe to hold this stock, at least it won't collapse. I'll buy more with a small position as it drops. It's a good opportunity to benefit from the dividend and a bottom structure formation, and there could still be a 5% increase in value.