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CFG vs CAPL: Dividend Comparison 2026

CFG yields 3.06% · CAPL yields 10.21%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CAPL wins by $10.4K in total portfolio value
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 →
CAPL
CAPL
● Live price
10.21%
Share price
$20.57
Annual div
$2.10
5Y div CAGR
1.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$2,232.50
Full CAPL calculator →

Portfolio growth — CFG vs CAPL

📍 CAPL pulled ahead of the other in Year 1

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 PeriodCFGCAPL
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 + CAPL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFG pays
CAPL 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
CAPL
Annual income on $10K today (after 15% tax)
$867.77/yr
After 10yr DRIP, annual income (after tax)
$1,897.63/yr
At 15% tax rate, CAPL beats the other by $462.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFG: 50%CAPL: 50%
100% CAPL50/50100% CFG
Portfolio after 10yr
$35.6K
Annual income
$1,960.41/yr
Blended yield
5.51%
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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
CAPL
Analyst Ratings
6
Buy
8
Hold
1
Sell
Consensus: Hold
Altman Z
6.6
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CFG buys
0
CAPL buys
0
No recent congressional trades found for CFG or CAPL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGCAPL
Forward yield3.06%10.21%
Annual dividend / share$1.76$2.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%1.1%
Portfolio after 10y$30.4K$40.8K
Annual income after 10y$1,688.32$2,232.50
Total dividends collected$8.6K$16.0K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyHold

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

YearCFG PortfolioCFG Income/yrCAPL PortfolioCAPL Income/yrGap
1← crossover$11,050$349.86$11,732$1,032.13$682.00CAPL
2$12,236$412.60$13,698$1,144.14$1.5KCAPL
3$13,580$487.63$15,919$1,262.16$2.3KCAPL
4$15,108$577.61$18,419$1,385.93$3.3KCAPL
5$16,852$685.86$21,223$1,515.18$4.4KCAPL
6$18,848$816.48$24,358$1,649.62$5.5KCAPL
7$21,142$974.64$27,852$1,788.92$6.7KCAPL
8$23,789$1,166.83$31,735$1,932.73$7.9KCAPL
9$26,855$1,401.25$36,037$2,080.71$9.2KCAPL
10$30,423$1,688.32$40,792$2,232.50$10.4KCAPL

CFG vs CAPL: 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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CAPLStock

CrossAmerica Partners LP engages in the wholesale distribution of motor fuels, operation of convenience stores, and ownership and leasing of real estate used in the retail distribution of motor fuels in the United States. It operates in two segments, Wholesale and Retail. The Wholesale segment engages in the wholesale distribution of motor fuels to lessee dealers, independent dealers, commission agents, and company operated retail sites. The Retail segment is involved in the sale of convenience merchandise items; and retail sale of motor fuels at company operated retail sites and retail sites operated by commission agents. As of December 31, 2021, the company distributed motor fuel on a wholesale basis to approximately 1,750 sites located in 34 states; and owned or leased approximately 1,150 sites. CrossAmerica GP LLC operates as the general partner of the company. The company was formerly known as Lehigh Gas Partners LP and changed its name to CrossAmerica Partners LP in October 2014. The company was founded in 1992 and is based 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.