HomeCompareCFG vs VLO

CFG vs VLO: Dividend Comparison 2026

CFG yields 3.06% · VLO yields 1.83%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CFG wins by $4.3K 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 →
VLO
VLO
● Live price
1.83%
Share price
$250.27
Annual div
$4.59
5Y div CAGR
15.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.2K
Annual income
$1,007.75
Full VLO calculator →

Portfolio growth — CFG vs VLO

📍 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 PeriodCFGVLO
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 + VLO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFG pays
VLO 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
VLO
Annual income on $10K today (after 15% tax)
$155.89/yr
After 10yr DRIP, annual income (after tax)
$856.59/yr
At 15% tax rate, CFG beats the other by $578.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFG: 50%VLO: 50%
100% VLO50/50100% CFG
Portfolio after 10yr
$28.3K
Annual income
$1,348.03/yr
Blended yield
4.77%
📊

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
VLO
Analyst Ratings
1
Strong
20
Buy
16
Hold
Consensus: Buy
Price Target
$193.75
-22.6% upside vs current
Range: $169.00 — $220.00
Altman Z
5.6
Piotroski
9/9
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
VLO buys
0
No recent congressional trades found for CFG or VLO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFGVLO
Forward yield3.06%1.83%
Annual dividend / share$1.76$4.59
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.2%15.7%
Portfolio after 10y$30.4K$26.2K
Annual income after 10y$1,688.32$1,007.75
Total dividends collected$8.6K$5.2K
Payment frequencyquarterlyquarterly
SectorFinancialsEnergy
Analyst consensusBuyBuy
Analyst price target$70.08$193.75

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

YearCFG PortfolioCFG Income/yrVLO PortfolioVLO Income/yrGap
1← crossover$11,050$349.86$10,912$212.20+$138.00CFG
2$12,236$412.60$11,926$250.38+$310.00CFG
3$13,580$487.63$13,057$295.90+$523.00CFG
4$15,108$577.61$14,321$350.30+$787.00CFG
5$16,852$685.86$15,739$415.45+$1.1KCFG
6$18,848$816.48$17,335$493.71+$1.5KCFG
7$21,142$974.64$19,136$587.97+$2.0KCFG
8$23,789$1,166.83$21,178$701.85+$2.6KCFG
9$26,855$1,401.25$23,500$839.87+$3.4KCFG
10$30,423$1,688.32$26,153$1,007.75+$4.3KCFG

CFG vs VLO: 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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VLOEnergy

Valero Energy Corporation manufactures, markets, and sells transportation fuels and petrochemical products in the United States, Canada, the United Kingdom, Ireland, and internationally. The company operates through three segments: Refining, Renewable Diesel, and Ethanol. It produces conventional, premium, and reformulated gasolines; gasoline meeting the specifications of the California Air Resources Board (CARB); diesel fuels, and low-sulfur and ultra-low-sulfur diesel fuels; CARB diesel; other distillates; jet fuels; blendstocks; and asphalts, petrochemicals, lubricants, and other refined petroleum products, as well as sells lube oils and natural gas liquids. As of December 31, 2021, the company owned 15 petroleum refineries with a combined throughput capacity of approximately 3.2 million barrels per day; and 12 ethanol plants with a combined ethanol production capacity of approximately 1.6 billion gallons per year. It sells its refined products through wholesale rack and bulk markets; and through approximately 7,000 outlets under the Valero, Beacon, Diamond Shamrock, Shamrock, Ultramar, and Texaco brands. The company also produces and sells ethanol, dry distiller grains, syrup, and inedible corn oil primarily to animal feed customers. In addition, it owns and operates crude oil and refined petroleum products pipelines, terminals, tanks, marine docks, truck rack bays, and other logistics assets; and owns and operates a plant that processes animal fats, used cooking oils, and inedible distillers corn oils into renewable diesel. The company was formerly known as Valero Refining and Marketing Company and changed its name to Valero Energy Corporation in August 1997. Valero Energy Corporation was founded in 1980 and is headquartered in San Antonio, Texas.

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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.