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CFG vs SM: Dividend Comparison 2026

CFG yields 3.06% · SM yields 2.55%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SM wins by $191.52M 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 →
SM
SM
● Live price
2.55%
Share price
$32.13
Annual div
$0.82
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$191.56M
Annual income
$178,145,793.19
Full SM calculator →

Portfolio growth — CFG vs SM

📍 SM 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 PeriodCFGSM
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 + SM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFG pays
SM 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
SM
Annual income on $10K today (after 15% tax)
$216.93/yr
After 10yr DRIP, annual income (after tax)
$151,423,924.21/yr
At 15% tax rate, SM beats the other by $151,422,489.14/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFG: 50%SM: 50%
100% SM50/50100% CFG
Portfolio after 10yr
$95.79M
Annual income
$89,073,740.76/yr
Blended yield
92.99%
📊

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
SM
Analyst Ratings
31
Buy
17
Hold
5
Sell
Consensus: Buy
Price Target
$29.00
-9.7% upside vs current
Range: $19.00 — $49.00
Altman Z
1.7
Piotroski
6/9
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
SM buys
0
No recent congressional trades found for CFG or SM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGSM
Forward yield3.06%2.55%
Annual dividend / share$1.76$0.82
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%100%
Portfolio after 10y$30.4K$191.56M
Annual income after 10y$1,688.32$178,145,793.19
Total dividends collected$8.6K$190.53M
Payment frequencyquarterlyquarterly
SectorFinancialsEnergy
Analyst consensusBuyBuy
Analyst price target$70.08$29.00

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

YearCFG PortfolioCFG Income/yrSM PortfolioSM Income/yrGap
1← crossover$11,050$349.86$11,210$510.43$160.00SM
2$12,236$412.60$13,065$1,069.55$829.00SM
3$13,580$487.63$16,309$2,329.84$2.7KSM
4$15,108$577.61$22,887$5,436.27$7.8KSM
5$16,852$685.86$38,749$14,259.57$21.9KSM
6$18,848$816.48$86,586$45,125.35$67.7KSM
7$21,142$974.64$281,125$188,477.75$260.0KSM
8$23,789$1,166.83$1,444,621$1,143,816.65$1.42MSM
9$26,855$1,401.25$12,532,176$10,986,431.99$12.51MSM
10$30,423$1,688.32$191,555,222$178,145,793.19$191.52MSM

CFG vs SM: 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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SMEnergy

SM Energy Company, an independent energy company, engages in the acquisition, exploration, development, and production of oil, natural gas, and natural gas liquids in the state of Texas. As of February 24, 2022, it had 492.0 million barrels of oil equivalent of estimated proved reserves. It also has working interests in 825 gross productive oil wells and 483 gross productive gas wells in the Midland Basin and South Texas. The company was formerly known as St. Mary Land & Exploration Company and changed its name to SM Energy Company in May 2010. SM Energy Company was founded in 1908 and is headquartered in Denver, Colorado.

Full SM 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.