Is CBTN or DIVO a better dividend investment in 2026?

CBTN currently yields 2.46% with a 5% 5-year dividend growth rate. DIVO yields 6.62% with 5% growth. The better choice depends on your goal: DIVO offers higher current income.

What is the dividend yield difference between CBTN and DIVO?

CBTN has a forward dividend yield of 2.46% ($0.80/share annually). DIVO yields 6.62% ($2.91/share annually). The yield gap is 4.16 percentage points.

Home › Compare › CBTN vs DIVO

CBTN vs DIVO: Dividend Comparison 2026

CBTN yields 2.46% · DIVO yields 6.62%● Live data

vsPost on X →

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

🏆 CBTN wins by $25.5K in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

CBTN

● Live price

2.46%

Share price

$32.50

Annual div

$0.80

5Y div CAGR

35.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$56.5K

Annual income

$11,831.46

Full CBTN calculator →

DIVO

● Live price

6.62%

Share price

$44.00

Annual div

$2.91

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.0K

Annual income

$1,008.47

Full DIVO calculator →

Portfolio growth — CBTN vs DIVO

📍 CBTN pulled ahead of the other in Year 6

Annual dividend income

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Recession Test — Did They Cut Dividends?

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

Crisis Period	CBTN	DIVO
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%.

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Dividend Calendar Overlap

Combined, CBTN + DIVO cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CBTN pays

DIVO pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CBTN

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

$209.23/yr

After 10yr DRIP, annual income (after tax)

$10,056.74/yr

DIVO

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

$562.67/yr

After 10yr DRIP, annual income (after tax)

$857.20/yr

At 15% tax rate, CBTN beats the other by $9,199.54/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CBTN + DIVO for your $10,000?

CBTN: 50%DIVO: 50%

100% DIVO50/50100% CBTN

Portfolio after 10yr

$43.7K

Annual income

$6,419.97/yr

Blended yield

14.68%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CBTN buys

DIVO buys

No recent congressional trades found for CBTN or DIVO in the last 90 days.

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

MetricCBTNDIVO

Forward yield	2.46%	6.62% ✓
Annual dividend / share	$0.80	$2.91 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	35.7% ✓	0%
Portfolio after 10y	$56.5K ✓	$31.0K
Annual income after 10y	$11,831.46 ✓	$1,008.47
Total dividends collected	$32.3K ✓	$8.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CBTN vs DIVO ($10,000, DRIP)

Year	CBTN Portfolio	CBTN Income/yr	DIVO Portfolio	DIVO Income/yr	Gap
1	$11,034	$334.03	$11,362	$661.96	$328.00 → DIVO
2	$12,274	$467.43	$12,860	$702.91	$586.00 → DIVO
3	$13,792	$659.42	$14,504	$743.56	$712.00 → DIVO
4	$15,698	$939.76	$16,303	$783.73	$605.00 → DIVO
5	$18,153	$1,356.46	$18,268	$823.31	$115.00 → DIVO
6← crossover	$21,413	$1,989.36	$20,408	$862.17	+$1.0K → CBTN
7	$25,888	$2,976.05	$22,737	$900.20	+$3.2K → CBTN
8	$32,263	$4,563.07	$25,266	$937.31	+$7.0K → CBTN
9	$41,734	$7,212.11	$28,008	$973.42	+$13.7K → CBTN
10	$56,487	$11,831.46	$30,977	$1,008.47	+$25.5K → CBTN

CBTN vs DIVO: Complete Analysis 2026

CBTN — Stock

Citizens Bancorp Investment, Inc. provides various banking products and services in Tennessee. The company offers checking and savings accounts, certificates of deposits and individual retirement accounts, credit and debit cards, overdrafts, real-time processing, and online and mobile banking services, as well as cash management, and personal and business services for individuals and businesses. It also provides personal, mortgage, construction, agriculture, commercial, and officers loans, as well as wealth management services. The company serves in Bedford, Clay, Coffee, DeKalb, Franklin, Jackson, Macon, Overton, Putnam, Smith, Sumner, and Wilson and surrounding counties in Middle Tennessee through 22 banking offices. Citizens Bancorp Investment, Inc. was founded in 1909 and is based in Lafayette, Tennessee.

Full CBTN Calculator →

DIVO — ETF

DIVO is an ETF of high-quality large cap companies with a history of dividend and earnings growth, along with a tactical covered call* strategy on individual stocks. DIVO is strategically designed to offer high levels of total return on a risk-adjusted basis.

Full DIVO Calculator →

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