Is CCVS or O a better dividend investment in 2026?

CCVS currently yields 1.81% with a 5% 5-year dividend growth rate. O yields 5.28% with 3.2% growth. The better choice depends on your goal: O offers higher current income.

What is the dividend yield difference between CCVS and O?

CCVS has a forward dividend yield of 1.81% ($0.28/share annually). O yields 5.28% ($3.23/share annually). The yield gap is 3.47 percentage points.

Home › Compare › CCVS vs O

CCVS vs O: Dividend Comparison 2026

CCVS yields 1.81% · O yields 5.28%● Live data

vsPost on X →

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

🏆 O wins by $11.9K in total portfolio value· pulled ahead in Year 3

INVESTMENT

TIME HORIZON10 years

CCVS

● Live price

1.81%

Share price

$15.50

Annual div

$0.28

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.3K

Annual income

$203.05

Full CCVS calculator →

Realty Income Corporation

● Live price

5.28%

Share price

$61.15

Annual div

$3.23

5Y div CAGR

15.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$34.2K

Annual income

$5,102.74

Full O calculator →

Portfolio growth — CCVS vs O

📍 O pulled ahead of the other in Year 3

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	CCVS	O
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, CCVS + O cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CCVS pays

O pays

Both pay

Neither

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Tax Bracket Optimizer

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

CCVS

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

$153.55/yr

After 10yr DRIP, annual income (after tax)

$172.59/yr

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

$449.12/yr

After 10yr DRIP, annual income (after tax)

$4,337.33/yr

At 15% tax rate, O beats the other by $4,164.74/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of CCVS + O for your $10,000?

CCVS: 50%O: 50%

100% O50/50100% CCVS

Portfolio after 10yr

$28.3K

Annual income

$2,652.89/yr

Blended yield

9.38%

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Analyst Conviction Gap

Where Wall Street is most bullish on O right now

CCVS

No analyst data

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Price Target

$64.00

+4.7% upside vs current

Range: $60.00 — $69.00

Altman Z

1.0

Piotroski

5/9

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CCVS buys

O buys

No recent congressional trades found for CCVS or O in the last 90 days.

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

MetricCCVSO

Forward yield	1.81%	5.28% ✓
Annual dividend / share	$0.28	$3.23 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	15.1% ✓
Portfolio after 10y	$22.3K	$34.2K ✓
Annual income after 10y	$203.05	$5,102.74 ✓
Total dividends collected	$1.9K	$20.7K ✓
Payment frequency	quarterly	monthly
Sector	Stock	REIT

Year-by-year: CCVS vs O ($10,000, DRIP)

Year	CCVS Portfolio	CCVS Income/yr	O Portfolio	O Income/yr	Gap
1	$10,881	$180.65	$10,818	$608.16	+$63.00 → CCVS
2	$11,826	$183.69	$11,787	$741.68	+$39.00 → CCVS
3← crossover	$12,840	$186.59	$12,946	$911.00	$106.00 → O
4	$13,929	$189.34	$14,345	$1,127.94	$416.00 → O
5	$15,096	$191.95	$16,056	$1,409.05	$960.00 → O
6	$16,347	$194.43	$18,171	$1,777.83	$1.8K → O
7	$17,688	$196.77	$20,820	$2,268.21	$3.1K → O
8	$19,125	$198.98	$24,188	$2,929.90	$5.1K → O
9	$20,665	$201.07	$28,533	$3,837.11	$7.9K → O
10	$22,314	$203.05	$34,235	$5,102.74	$11.9K → O

CCVS vs O: Complete Analysis 2026

CCVS — Stock

Citizens Commerce Bancshares, Inc. operates as the bank holding for Citizens Commerce Bank that provides banking products and services. The company accepts checking, savings, retirement, and money market accounts. Its loan products include personal, automobile, mortgage, home equity, commercial, and real estate loans. The company also offers debit and credit cards; and cash management, remote deposit capture, merchant, night depository, bill pay, wire transfer, safe deposit boxes, overdraft, and online and mobile banking services. It operates five full service locations, including two in Versailles, one in Frankfort, one in Nicholasville, and one in Lexington. Citizens Commerce Bancshares, Inc. was founded 1996 and is headquartered in Versailles, Kentucky.

Full CCVS Calculator →

O — REIT

Realty Income, The Monthly Dividend Company, is an S&P 500 company dedicated to providing stockholders with dependable monthly income. The company is structured as a REIT, and its monthly dividends are supported by the cash flow from over 6,500 real estate properties owned under long-term lease agreements with our commercial clients. To date, the company has declared 608 consecutive common stock monthly dividends throughout its 52-year operating history and increased the dividend 109 times since Realty Income's public listing in 1994 (NYSE: O). The company is a member of the S&P 500 Dividend Aristocrats index. Additional information about the company can be obtained from the corporate website at www.realtyincome.com.

Full O 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.