HomeCompareCFG vs APD

CFG vs APD: Dividend Comparison 2026

CFG yields 3.06% · APD yields 2.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 APD wins by $53.9K in total portfolio value· pulled ahead in Year 2
10 years
CFG
CFG
● Live price
3.06%
Share price
$57.45
Annual div
$1.76
5Y div CAGR
14.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.4K
Annual income
$1,688.32
Full CFG calculator →
APD
APD
● Live price
2.46%
Share price
$291.56
Annual div
$7.16
5Y div CAGR
42.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$84.4K
Annual income
$25,407.75
Full APD calculator →

Portfolio growth — CFG vs APD

📍 APD pulled ahead of the other in Year 2

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 PeriodCFGAPD
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, CFG + APD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CFG
Annual income on $10K today (after 15% tax)
$260.40/yr
After 10yr DRIP, annual income (after tax)
$1,435.07/yr
APD
Annual income on $10K today (after 15% tax)
$208.74/yr
After 10yr DRIP, annual income (after tax)
$21,596.59/yr
At 15% tax rate, APD beats the other by $20,161.52/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CFG + APD for your $10,000?

CFG: 50%APD: 50%
100% APD50/50100% CFG
Portfolio after 10yr
$57.4K
Annual income
$13,548.03/yr
Blended yield
23.61%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CFG right now

CFG
Analyst Ratings
31
Buy
6
Hold
1
Sell
Consensus: Buy
Price Target
$70.08
+22.0% upside vs current
Range: $60.00 — $80.00
Altman Z
0.3
Piotroski
7/9
APD
Analyst Ratings
23
Buy
19
Hold
Consensus: Buy
Price Target
$296.33
+1.6% upside vs current
Range: $255.00 — $335.00
Altman Z
2.6
Piotroski
4/9
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)

CFG buys
0
APD buys
0
No recent congressional trades found for CFG or APD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGAPD
Forward yield3.06%2.46%
Annual dividend / share$1.76$7.16
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%42.5%
Portfolio after 10y$30.4K$84.4K
Annual income after 10y$1,688.32$25,407.75
Total dividends collected$8.6K$58.3K
Payment frequencyquarterlyquarterly
SectorFinancialsMaterials
Analyst consensusBuyBuy
Analyst price target$70.08$296.33

Year-by-year: CFG vs APD ($10,000, DRIP)

YearCFG PortfolioCFG Income/yrAPD PortfolioAPD Income/yrGap
1$11,050$349.86$11,050$349.95$0.00APD
2← crossover$12,236$412.60$12,338$514.98$102.00APD
3$13,580$487.63$13,968$765.81$388.00APD
4$15,108$577.61$16,100$1,154.58$992.00APD
5$16,852$685.86$19,000$1,772.38$2.1KAPD
6$18,848$816.48$23,115$2,785.49$4.3KAPD
7$21,142$974.64$29,246$4,513.18$8.1KAPD
8$23,789$1,166.83$38,898$7,604.83$15.1KAPD
9$26,855$1,401.25$55,092$13,470.41$28.2KAPD
10$30,423$1,688.32$84,356$25,407.75$53.9KAPD

CFG vs APD: Complete Analysis 2026

CFGFinancials

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

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APDMaterials

Air Products and Chemicals, Inc. provides atmospheric gases, process and specialty gases, equipment, and services worldwide. The company produces atmospheric gases, including oxygen, nitrogen, and argon; process gases, such as hydrogen, helium, carbon dioxide, carbon monoxide, syngas; specialty gases; and equipment for the production or processing of gases comprising air separation units and non-cryogenic generators for customers in various industries, including refining, chemical, gasification, metals, manufacturing, food and beverage, electronics, magnetic resonance imaging, energy production and refining, and metals. It also designs and manufactures equipment for air separation, hydrocarbon recovery and purification, natural gas liquefaction, and liquid helium and liquid hydrogen transport and storage. Air Products and Chemicals, Inc. has a strategic collaboration with Baker Hughes Company to develop hydrogen compression systems. The company was founded in 1940 and is headquartered in Allentown, Pennsylvania.

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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.