Is CFSB or DIVO a better dividend investment in 2026?

CFSB currently yields 14.04% with a 5% 5-year dividend growth rate. DIVO yields 6.49% with 5% growth. The better choice depends on your goal: CFSB offers higher current income.

What is the dividend yield difference between CFSB and DIVO?

CFSB has a forward dividend yield of 14.04% ($2.00/share annually). DIVO yields 6.49% ($2.91/share annually). The yield gap is 7.55 percentage points.

Home › Compare › CFSB vs DIVO

CFSB vs DIVO: Dividend Comparison 2026

CFSB yields 14.04% · DIVO yields 6.49%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 CFSB wins by $19.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CFSB

● Live price

14.04%

Share price

$14.25

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$50.3K

Annual income

$3,349.15

Full CFSB calculator →

DIVO

● Live price

6.49%

Share price

$44.85

Annual div

$2.91

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$30.7K

Annual income

$981.68

Full DIVO calculator →

Portfolio growth — CFSB vs DIVO

📍 CFSB 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 Period	CFSB	DIVO
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, CFSB + DIVO cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

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Nov

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Dec

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CFSB pays

DIVO pays

Both pay

Neither

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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

CFSB

Annual income on $10K today (after 15% tax)

$1,192.98/yr

After 10yr DRIP, annual income (after tax)

$2,846.78/yr

DIVO

Annual income on $10K today (after 15% tax)

$552.00/yr

After 10yr DRIP, annual income (after tax)

$834.43/yr

At 15% tax rate, CFSB beats the other by $2,012.35/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of CFSB + DIVO for your $10,000?

CFSB: 50%DIVO: 50%

100% DIVO50/50100% CFSB

Portfolio after 10yr

$40.5K

Annual income

$2,165.42/yr

Blended yield

5.35%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CFSB buys

DIVO buys

No recent congressional trades found for CFSB or DIVO in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCFSBDIVO

Forward yield	14.04% ✓	6.49%
Annual dividend / share	$2.00	$2.91 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$50.3K ✓	$30.7K
Annual income after 10y	$3,349.15 ✓	$981.68
Total dividends collected	$23.4K ✓	$8.2K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CFSB vs DIVO ($10,000, DRIP)

Year	CFSB Portfolio	CFSB Income/yr	DIVO Portfolio	DIVO Income/yr	Gap
1← crossover	$12,104	$1,403.51	$11,349	$649.42	+$755.00 → CFSB
2	$14,538	$1,587.61	$12,833	$688.83	+$1.7K → CFSB
3	$17,338	$1,782.23	$14,459	$727.90	+$2.9K → CFSB
4	$20,538	$1,986.41	$16,238	$766.49	+$4.3K → CFSB
5	$24,175	$2,199.10	$18,179	$804.47	+$6.0K → CFSB
6	$28,287	$2,419.17	$20,293	$841.71	+$8.0K → CFSB
7	$32,912	$2,645.41	$22,591	$878.14	+$10.3K → CFSB
8	$38,093	$2,876.63	$25,087	$913.65	+$13.0K → CFSB
9	$43,871	$3,111.61	$27,791	$948.18	+$16.1K → CFSB
10	$50,291	$3,349.15	$30,718	$981.68	+$19.6K → CFSB

CFSB vs DIVO: Complete Analysis 2026

CFSB — Stock

CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company also offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.

Full CFSB Calculator →

DIVO — ETF

DIVO is an ETF of high-quality large cap companies with a history of dividend and earnings growth, along with a tactical covered call* strategy on individual stocks. DIVO is strategically designed to offer high levels of total return on a risk-adjusted basis.

Full DIVO 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.