Is CBAF or MO a better dividend investment in 2026?

CBAF currently yields 2.21% with a 5% 5-year dividend growth rate. MO yields 9.11% with 4.3% growth. The better choice depends on your goal: MO offers higher current income.

What is the dividend yield difference between CBAF and MO?

CBAF has a forward dividend yield of 2.21% ($0.88/share annually). MO yields 9.11% ($4.08/share annually). The yield gap is 6.90 percentage points.

Home › Compare › CBAF vs MO

CBAF vs MO: Dividend Comparison 2026

CBAF yields 2.21% · MO yields 9.11%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 CBAF wins by $138.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CBAF

● Live price

2.21%

Share price

$39.77

Annual div

$0.88

5Y div CAGR

53.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$165.7K

Annual income

$73,684.19

Full CBAF calculator →

Altria Group Inc.

● Live price

9.11%

Share price

$44.80

Annual div

$4.08

5Y div CAGR

4.3%

Payout ratio

78%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.7K

Annual income

$4,052.72

Full MO calculator →

Portfolio growth — CBAF vs MO

📍 CBAF pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	CBAF	MO
2008–2009 GFC	— No data	— No data
2020 Q1–Q2 COVID	— No data	— No data
2022 Q4 Rate Hike	— No data	— No data

Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.

📅

Dividend Calendar Overlap

Combined, CBAF + MO cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CBAF pays

MO pays

Both pay

Neither

💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

CBAF

Annual income on $10K today (after 15% tax)

$188.08/yr

After 10yr DRIP, annual income (after tax)

$62,631.56/yr

Annual income on $10K today (after 15% tax)

$774.11/yr

After 10yr DRIP, annual income (after tax)

$3,444.81/yr

At 15% tax rate, CBAF beats the other by $59,186.75/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CBAF + MO for your $10,000?

CBAF: 50%MO: 50%

100% MO50/50100% CBAF

Portfolio after 10yr

$96.7K

Annual income

$38,868.45/yr

Blended yield

40.21%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

CBAF

No analyst data

Altman Z

0.3

Piotroski

4/9

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$61.25

+36.7% upside vs current

Range: $47.00 — $68.00

Altman Z

3.2

Piotroski

7/9

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CBAF buys

MO buys

No recent congressional trades found for CBAF or MO in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCBAFMO

Forward yield	2.21%	9.11% ✓
Annual dividend / share	$0.88	$4.08 ✓
Payout ratio	50% ✓	78%
1-year div growth	0%	4.1% ✓
5-year div CAGR	53.2% ✓	4.3%
Portfolio after 10y	$165.7K ✓	$27.7K
Annual income after 10y	$73,684.19 ✓	$4,052.72
Total dividends collected	$136.0K ✓	$20.9K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

Year-by-year: CBAF vs MO ($10,000, DRIP)

Year	CBAF Portfolio	CBAF Income/yr	MO Portfolio	MO Income/yr	Gap
1← crossover	$11,039	$338.99	$10,740	$949.88	+$299.00 → CBAF
2	$12,348	$535.78	$11,601	$1,086.84	+$747.00 → CBAF
3	$14,070	$858.05	$12,608	$1,250.75	+$1.5K → CBAF
4	$16,455	$1,399.91	$13,792	$1,448.20	+$2.7K → CBAF
5	$19,951	$2,344.10	$15,190	$1,687.69	+$4.8K → CBAF
6	$25,416	$4,069.27	$16,851	$1,980.28	+$8.6K → CBAF
7	$34,618	$7,422.50	$18,838	$2,340.48	+$15.8K → CBAF
8	$51,516	$14,474.84	$21,230	$2,787.44	+$30.3K → CBAF
9	$85,963	$30,841.07	$24,130	$3,346.72	+$61.8K → CBAF
10	$165,665	$73,684.19	$27,676	$4,052.72	+$138.0K → CBAF

CBAF vs MO: Complete Analysis 2026

CBAF — Stock

CITBA Financial Corporation operates as the holding company for Citizens Bank that provides various banking services in the United States. It offers personal and business checking accounts; personal regular savings, money market savings, premium rate savings, junior savers, individual retirement, and health savings accounts, as well as certificates of deposit; and business regular savings, individual retirement, and health savings accounts. The company also provides personal and business mortgages; auto, home equity, and RV and boat loans; commercial, commercial mortgage, and business lines of credit; credit cards; and gift cards. In addition, the company offers treasury management, remote deposits, online banking, bill pay, mobile banking, and eStatement services. CITBA Financial Corporation was founded in 1931 and is based in Mooresville, Indiana.

Full CBAF Calculator →

MO — Consumer Staples

Altria is a Dividend King with 54+ consecutive years of dividend increases — one of the longest streaks in American corporate history. While cigarette volumes decline, pricing power and new product categories (oral nicotine pouches via NJOY) support cash flows. The near-9% yield is among the highest in the S&P 500.

Full MO Calculator →

📬

Get this CBAF vs MO comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CBAF vs SCHD CBAF vs JEPI CBAF vs O CBAF vs KO CBAF vs MAIN CBAF vs PM CBAF vs BTI CBAF vs PG

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.