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CFG vs IBM: Dividend Comparison 2026

CFG yields 3.06% · IBM yields 2.83%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CFG wins by $2.7K in total portfolio value· pulled ahead in Year 6
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 →
IBM
International Business Machines
● Live price
2.83%
Share price
$237.25
Annual div
$6.72
5Y div CAGR
3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$463.53
Full IBM calculator →

Portfolio growth — CFG vs IBM

📍 CFG pulled ahead of the other in Year 6

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 PeriodCFGIBM
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 + IBM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFG pays
IBM 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
IBM
Annual income on $10K today (after 15% tax)
$240.76/yr
After 10yr DRIP, annual income (after tax)
$394.00/yr
At 15% tax rate, CFG beats the other by $1,041.07/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFG: 50%IBM: 50%
100% IBM50/50100% CFG
Portfolio after 10yr
$29.1K
Annual income
$1,075.92/yr
Blended yield
3.70%
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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
IBM
Analyst Ratings
1
Strong
20
Buy
24
Hold
4
Sell
Consensus: Hold
Price Target
$349.50
+47.3% upside vs current
Range: $304.00 — $380.00
Altman Z
3.2
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
IBM buys
0
No recent congressional trades found for CFG or IBM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGIBM
Forward yield3.06%2.83%
Annual dividend / share$1.76$6.72
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%3%
Portfolio after 10y$30.4K$27.7K
Annual income after 10y$1,688.32$463.53
Total dividends collected$8.6K$3.7K
Payment frequencyquarterlyquarterly
SectorFinancialsTechnology
Analyst consensusBuyHold
Analyst price target$70.08$349.50

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

YearCFG PortfolioCFG Income/yrIBM PortfolioIBM Income/yrGap
1$11,050$349.86$11,132$291.74$82.00IBM
2$12,236$412.60$12,375$308.58$139.00IBM
3$13,580$487.63$13,741$325.97$161.00IBM
4$15,108$577.61$15,239$343.91$131.00IBM
5$16,852$685.86$16,882$362.40$30.00IBM
6← crossover$18,848$816.48$18,681$381.46+$167.00CFG
7$21,142$974.64$20,651$401.10+$491.00CFG
8$23,789$1,166.83$22,807$421.31+$982.00CFG
9$26,855$1,401.25$25,165$442.12+$1.7KCFG
10$30,423$1,688.32$27,743$463.53+$2.7KCFG

CFG vs IBM: 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 →

IBMTechnology

International Business Machines Corporation provides integrated solutions and services worldwide. The company operates through four business segments: Software, Consulting, Infrastructure, and Financing. The Software segment offers hybrid cloud platform and software solutions, such as Red Hat, an enterprise open-source solutions; software for business automation, AIOps and management, integration, and application servers; data and artificial intelligence solutions; and security software and services for threat, data, and identity. This segment also provides transaction processing software that supports clients' mission-critical and on-premise workloads in banking, airlines, and retail industries. The Consulting segment offers business transformation services, including strategy, business process design and operations, data and analytics, and system integration services; technology consulting services; and application and cloud platform services. The Infrastructure segment provides on-premises and cloud-based server and storage solutions for its clients' mission-critical and regulated workloads; and support services and solutions for hybrid cloud infrastructure, as well as remanufacturing and remarketing services for used equipment. The Financing segment offers lease, installment payment, loan financing, and short-term working capital financing services. The company was formerly known as Computing-Tabulating-Recording Co. International Business Machines Corporation was incorporated in 1911 and is headquartered in Armonk, New York.

Full IBM 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.