HomeCompareCEFC vs CL

CEFC vs CL: Dividend Comparison 2026

CEFC yields 4.06% · CL yields 2.43%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $14.9K in total portfolio value· pulled ahead in Year 3
10 years
CEFC
CEFC
● Live price
4.06%
Share price
$14.05
Annual div
$0.57
5Y div CAGR
-0.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$503.35
Full CEFC calculator →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — CEFC vs CL

📍 CL 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 PeriodCEFCCL
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, CEFC + CL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CEFC pays
CL pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CEFC
Annual income on $10K today (after 15% tax)
$344.84/yr
After 10yr DRIP, annual income (after tax)
$427.85/yr
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, CL beats the other by $4,163.82/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CEFC + CL for your $10,000?

CEFC: 50%CL: 50%
100% CL50/50100% CEFC
Portfolio after 10yr
$33.4K
Annual income
$2,952.65/yr
Blended yield
8.85%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

CEFC
No analyst data
Altman Z
0.3
Piotroski
3/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
Piotroski
6/9
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)

CEFC buys
0
CL buys
0
No recent congressional trades found for CEFC or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCEFCCL
Forward yield4.06%2.43%
Annual dividend / share$0.57$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-0.4%28.6%
Portfolio after 10y$25.9K$40.8K
Annual income after 10y$503.35$5,401.96
Total dividends collected$4.6K$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: CEFC vs CL ($10,000, DRIP)

YearCEFC PortfolioCEFC Income/yrCL PortfolioCL Income/yrGap
1$11,104$404.07$11,012$312.01+$92.00CEFC
2$12,299$417.65$12,196$412.95+$103.00CEFC
3← crossover$13,591$430.61$13,599$549.66$8.00CL
4$14,985$442.92$15,288$736.64$303.00CL
5$16,488$454.58$17,353$995.28$865.00CL
6$18,108$465.60$19,926$1,357.80$1.8KCL
7$19,852$475.97$23,194$1,873.82$3.3KCL
8$21,727$485.72$27,439$2,621.52$5.7KCL
9$23,743$494.84$33,088$3,727.38$9.3KCL
10$25,908$503.35$40,806$5,401.96$14.9KCL

CEFC vs CL: Complete Analysis 2026

CEFCStock

Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural businesses, commercial businesses, and light industries in Michigan. The company accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts. It also offers personal loan products, such as automobile loans, recreational vehicle loans, personal lines of credit, and unsecured term loans, as well as home equity loans and mortgage loans; and business loans, including secured lines of credit, business equity line of credit, SBA loans, equipment loans, real estate loans, vehicle loans, term loans, USDA loan programs, and capital access loan programs. In addition, the company provides other services comprising business VISA check cards, debit and ATM cards, business statement savings, business certificates of deposit, merchant services, night depository, telephone banking, online banking, e-statements, direct deposit of payroll for employees, child support payments, collection of receivables, and remote deposit capture, as well as treasury services. It provides its services through 12 offices located in Barry, Gratiot, Ingham, Isabella, Kent, and Montcalm counties in Michigan. The company was founded in 1893 and is headquartered in Ithaca, Michigan.

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CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL 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.