HomeCompareCFG vs PTC

CFG vs PTC: Dividend Comparison 2026

CFG yields 3.06% · PTC yields 1.43%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CFG wins by $8.7K 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 →
PTC
PTC
● Live price
1.43%
Share price
$139.66
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.7K
Annual income
$157.13
Full PTC calculator →

Portfolio growth — CFG vs PTC

📍 CFG 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 PeriodCFGPTC
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 + PTC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFG pays
PTC 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
PTC
Annual income on $10K today (after 15% tax)
$121.72/yr
After 10yr DRIP, annual income (after tax)
$133.56/yr
At 15% tax rate, CFG beats the other by $1,301.51/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFG: 50%PTC: 50%
100% PTC50/50100% CFG
Portfolio after 10yr
$26.1K
Annual income
$922.73/yr
Blended yield
3.54%
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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
PTC
Analyst Ratings
20
Buy
10
Hold
3
Sell
Consensus: Buy
Price Target
$204.83
+46.7% upside vs current
Range: $180.00 — $255.00
Altman Z
5.4
Piotroski
8/9
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
PTC buys
0
No recent congressional trades found for CFG or PTC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGPTC
Forward yield3.06%1.43%
Annual dividend / share$1.76$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%0%
Portfolio after 10y$30.4K$21.7K
Annual income after 10y$1,688.32$157.13
Total dividends collected$8.6K$1.5K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$70.08$204.83

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

YearCFG PortfolioCFG Income/yrPTC PortfolioPTC Income/yrGap
1← crossover$11,050$349.86$10,843$143.20+$207.00CFG
2$12,236$412.60$11,747$145.12+$489.00CFG
3$13,580$487.63$12,717$146.94+$863.00CFG
4$15,108$577.61$13,755$148.65+$1.4KCFG
5$16,852$685.86$14,869$150.28+$2.0KCFG
6$18,848$816.48$16,061$151.81+$2.8KCFG
7$21,142$974.64$17,339$153.26+$3.8KCFG
8$23,789$1,166.83$18,707$154.63+$5.1KCFG
9$26,855$1,401.25$20,172$155.92+$6.7KCFG
10$30,423$1,688.32$21,742$157.13+$8.7KCFG

CFG vs PTC: 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 →

PTCStock

PTC Inc. operates as software and services company in the Americas, Europe, and the Asia Pacific. The company operates in two segments, Software Products and Professional Services. It offers ThingWorx platform, which offers a set of capabilities that enable enterprises to digitally transform every aspect of their business with innovative solutions that are simple to create, easy to implement, scalable to meet future needs, and designed to enable customers to accelerate time to value; and Vuforia, which enables the visualization of digital information in a physical context and the creation of AR. The company also provides Onshape, a software-as-a-service product development platform unites computer-aided design with data management, collaboration tools, and real-time analytics; Arena, a PLM solution enables product teams to collaborate virtually anytime and anywhere; Creo, a 3D CAD technology enables the digital design, testing, and modification of product models; and Windchill, a product lifecycle management software. In addition, it offers Integrity, an application lifecycle management solution; Servigistics, service parts management solution; and consulting, implementation, training, cloud, and license and support services. The company was formerly known as Parametric Technology Corporation and changed its name to PTC Inc. in January 2013. PTC Inc. was incorporated in 1985 and is headquartered in Boston, Massachusetts.

Full PTC 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.