HomeCompareCFG vs TT

CFG vs TT: Dividend Comparison 2026

CFG yields 3.06% · TT yields 0.96%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 TT wins by $266.6K in total portfolio value· pulled ahead in Year 4
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 →
TT
TT
● Live price
0.96%
Share price
$403.93
Annual div
$3.87
5Y div CAGR
77.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$297.1K
Annual income
$177,604.16
Full TT calculator →

Portfolio growth — CFG vs TT

📍 TT pulled ahead of the other in Year 4

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 PeriodCFGTT
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%.
📅

Dividend Calendar Overlap

Combined, CFG + TT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFG pays
TT 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
TT
Annual income on $10K today (after 15% tax)
$81.44/yr
After 10yr DRIP, annual income (after tax)
$150,963.54/yr
At 15% tax rate, TT beats the other by $149,528.46/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFG: 50%TT: 50%
100% TT50/50100% CFG
Portfolio after 10yr
$163.7K
Annual income
$89,646.24/yr
Blended yield
54.75%
📊

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
TT
Analyst Ratings
10
Buy
14
Hold
1
Sell
Consensus: Hold
Price Target
$471.88
+16.8% upside vs current
Range: $370.00 — $520.00
Altman Z
6.6
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
TT buys
0
No recent congressional trades found for CFG or TT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGTT
Forward yield3.06%0.96%
Annual dividend / share$1.76$3.87
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%77.2%
Portfolio after 10y$30.4K$297.1K
Annual income after 10y$1,688.32$177,604.16
Total dividends collected$8.6K$265.9K
Payment frequencyquarterlyquarterly
SectorFinancialsIndustrials
Analyst consensusBuyHold
Analyst price target$70.08$471.88

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

YearCFG PortfolioCFG Income/yrTT PortfolioTT Income/yrGap
1$11,050$349.86$10,870$169.77+$180.00CFG
2$12,236$412.60$11,936$305.61+$300.00CFG
3$13,580$487.63$13,328$555.77+$252.00CFG
4← crossover$15,108$577.61$15,288$1,027.68$180.00TT
5$16,852$685.86$18,311$1,952.29$1.5KTT
6$18,848$816.48$23,465$3,872.33$4.6KTT
7$21,142$974.64$33,325$8,217.96$12.2KTT
8$23,789$1,166.83$54,987$19,328.64$31.2KTT
9$26,855$1,401.25$111,652$52,815.95$84.8KTT
10$30,423$1,688.32$297,071$177,604.16$266.6KTT

CFG vs TT: 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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TTIndustrials

Trane Technologies plc, together with its subsidiaries, engages in the designing, manufacturing, selling, and servicing of solutions for heating, ventilation, air conditioning, and transport refrigeration. It offers air conditioners, exchangers, and handlers; airside and terminal devices; auxiliary power units; chillers; coils and condensers; gensets; furnaces; heat pumps; home automation products; humidifiers; hybrid and non-diesel transport refrigeration, and ice energy storage solutions; indoor air quality assessments and related products; large and light commercial unitary products; motor replacements; refrigerant reclamation products; thermostats/controls; transport heater products; variable refrigerant flow products; and water source heat pumps. The company also provides building management, control, ductless, geothermal, package heating and cooling, temporary heating and cooling, and unitary systems; bus, rail, and multi-pipe heating, ventilation, and air conditioning systems; and container, cryogenic, diesel-powered, electric-powered trailer and truck, hybrid-powered trailer, industrial, rail, self-powered truck, trailer, and vehicle-powered truck refrigeration systems, as well as aftermarket and OEM parts and supplies. In addition, it offers energy and facility management, installation and performance contracting, repair and maintenance, and rental services. It markets and sells its products under the Trane and Thermo King brands through sales offices, distributors, and dealers in the United States; and through sales and service companies with a supporting chain of distributors worldwide. The company was formerly known as Ingersoll-Rand Plc and changed its name to Trane Technologies plc in March 2020. Trane Technologies plc was founded in 1885 and is headquartered in Swords, Ireland.

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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.