HomeCompareCFG vs NSC

CFG vs NSC: Dividend Comparison 2026

CFG yields 3.06% · NSC yields 1.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 NSC wins by $36.3K in total portfolio value· pulled ahead in Year 3
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 →
NSC
NSC
● Live price
1.91%
Share price
$282.50
Annual div
$5.40
5Y div CAGR
43.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$66.7K
Annual income
$17,746.55
Full NSC calculator →

Portfolio growth — CFG vs NSC

📍 NSC 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 PeriodCFGNSC
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 + NSC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFG pays
NSC 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
NSC
Annual income on $10K today (after 15% tax)
$162.48/yr
After 10yr DRIP, annual income (after tax)
$15,084.57/yr
At 15% tax rate, NSC beats the other by $13,649.50/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFG: 50%NSC: 50%
100% NSC50/50100% CFG
Portfolio after 10yr
$48.6K
Annual income
$9,717.44/yr
Blended yield
20.00%
📊

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
NSC
Analyst Ratings
21
Buy
24
Hold
3
Sell
Consensus: Hold
Price Target
$315.33
+11.6% upside vs current
Range: $288.00 — $342.00
Altman Z
2.3
Piotroski
7/9
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
12
NSC buys
0
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$CFG▲ Buy$1,001 - $15,0002025-10-22
Ro Khanna🏢 House$CFG▲ Buy$1,001 - $15,0002025-10-08
Jefferson Shreve🏢 House$CFG▼ Sell$15,001 - $50,0002025-04-07
Kathy Manning🏢 House$CFG▲ Buy$15,001 - $50,0002024-01-23
Kathy Manning🏢 House$CFG▲ Buy$1,001 - $15,0002024-01-23
Tommy Tuberville🏛 Senate$CFG▼ Sell$15,001 - $50,0002024-01-19
Kathy Manning🏢 House$CFG▼ Sell$15,001 - $50,0002023-12-12
Kathy Manning🏢 House$CFG▼ Sell$1,001 - $15,0002023-12-12
Ro Khanna🏢 House$CFG▲ Buy$1,001 - $15,0002023-11-03
Ro Khanna🏢 House$CFG▲ Buy$1,001 - $15,0002023-10-31
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGNSC
Forward yield3.06%1.91%
Annual dividend / share$1.76$5.40
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%43.6%
Portfolio after 10y$30.4K$66.7K
Annual income after 10y$1,688.32$17,746.55
Total dividends collected$8.6K$42.2K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyHold
Analyst price target$70.08$315.33

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

YearCFG PortfolioCFG Income/yrNSC PortfolioNSC Income/yrGap
1$11,050$349.86$10,974$274.49+$76.00CFG
2$12,236$412.60$12,147$404.28+$89.00CFG
3← crossover$13,580$487.63$13,598$600.54$18.00NSC
4$15,108$577.61$15,452$902.22$344.00NSC
5$16,852$685.86$17,909$1,375.92$1.1KNSC
6$18,848$816.48$21,303$2,140.25$2.5KNSC
7$21,142$974.64$26,211$3,416.66$5.1KNSC
8$23,789$1,166.83$33,688$5,641.72$9.9KNSC
9$26,855$1,401.25$45,777$9,731.21$18.9KNSC
10$30,423$1,688.32$66,728$17,746.55$36.3KNSC

CFG vs NSC: 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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NSCStock

Norfolk Southern Corporation, together with its subsidiaries, engages in the rail transportation of raw materials, intermediate products, and finished goods in the United States. The company transports agriculture, forest, and consumer products comprising soybeans, wheat, corn, fertilizers, livestock and poultry feed, food products, food oils, flour, sweeteners, ethanol, lumber and wood products, pulp board and paper products, wood fibers, wood pulp, scrap paper, beverages, canned goods, and consumer products; chemicals consist of sulfur and related chemicals, petroleum products, chlorine and bleaching compounds, plastics, rubber, industrial chemicals, chemical wastes, and sand; metals and construction materials, such as steel, aluminum products, machinery, scrap metals, cement, aggregates, minerals, clay, transportation equipment, and military-related products; and automotive, including finished motor vehicles and automotive parts, as well as coal. It also transports overseas freight through various Atlantic and Gulf Coast ports; and provides commuter rail passenger transportation services and operates an intermodal network. As of December 31, 2021, the company operated approximately 19,300 route miles in 22 states and the District of Columbia. Norfolk Southern Corporation was incorporated in 1980 and is based in Atlanta, Georgia.

Full NSC 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.