HomeCompareCFG vs CSX

CFG vs CSX: Dividend Comparison 2026

CFG yields 3.06% · CSX yields 1.32%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CSX wins by $34.5K in total portfolio value· pulled ahead in Year 5
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 →
CSX
CSX
● Live price
1.32%
Share price
$40.30
Annual div
$0.53
5Y div CAGR
50.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$64.9K
Annual income
$18,410.40
Full CSX calculator →

Portfolio growth — CFG vs CSX

📍 CSX pulled ahead of the other in Year 5

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 PeriodCFGCSX
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 + CSX cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFG pays
CSX 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
CSX
Annual income on $10K today (after 15% tax)
$111.79/yr
After 10yr DRIP, annual income (after tax)
$15,648.84/yr
At 15% tax rate, CSX beats the other by $14,213.77/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFG: 50%CSX: 50%
100% CSX50/50100% CFG
Portfolio after 10yr
$47.7K
Annual income
$10,049.36/yr
Blended yield
21.08%
📊

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
CSX
Analyst Ratings
27
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$39.00
-3.2% upside vs current
Range: $30.00 — $45.00
Altman Z
2.4
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
CSX buys
0
No recent congressional trades found for CFG or CSX in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGCSX
Forward yield3.06%1.32%
Annual dividend / share$1.76$0.53
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%50.4%
Portfolio after 10y$30.4K$64.9K
Annual income after 10y$1,688.32$18,410.40
Total dividends collected$8.6K$41.0K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$70.08$39.00

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

YearCFG PortfolioCFG Income/yrCSX PortfolioCSX Income/yrGap
1$11,050$349.86$10,898$197.80+$152.00CFG
2$12,236$412.60$11,964$302.99+$272.00CFG
3$13,580$487.63$13,269$467.53+$311.00CFG
4$15,108$577.61$14,926$728.85+$182.00CFG
5← crossover$16,852$685.86$17,124$1,152.46$272.00CSX
6$18,848$816.48$20,181$1,858.37$1.3KCSX
7$21,142$974.64$24,672$3,078.48$3.5KCSX
8$23,789$1,166.83$31,689$5,290.13$7.9KCSX
9$26,855$1,401.25$43,458$9,550.75$16.6KCSX
10$30,423$1,688.32$64,910$18,410.40$34.5KCSX

CFG vs CSX: 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.

Full CFG Calculator →

CSXStock

CSX Corporation, together with its subsidiaries, provides rail-based freight transportation services. The company offers rail services; and transportation of intermodal containers and trailers, as well as other transportation services, such as rail-to-truck transfers and bulk commodity operations. It transports chemicals, agricultural and food products, automotive, minerals, forest products, fertilizers, and metals and equipment; and coal, coke, and iron ore to electricity-generating power plants, steel manufacturers, and industrial plants, as well as exports coal to deep-water port facilities. The company also offers intermodal transportation services through a network of approximately 30 terminals transporting manufactured consumer goods in containers; and drayage services, including the pickup and delivery of intermodal shipments. It serves the automotive industry with distribution centers and storage locations, as well as connects non-rail served customers through transferring products, such as plastics and ethanol from rail to trucks. The company operates approximately 19,500 route mile rail network, which serves various population centers in 23 states east of the Mississippi River, the District of Columbia, and the Canadian provinces of Ontario and Quebec, as well as owns and leases approximately 3,500 locomotives. It also serves production and distribution facilities through track connections. CSX Corporation was incorporated in 1978 and is headquartered in Jacksonville, Florida.

Full CSX 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.