HomeCompareCFSB vs GIS

CFSB vs GIS: Dividend Comparison 2026

CFSB yields 14.04% · GIS yields 6.53%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 GIS wins by $28.6K in total portfolio value· pulled ahead in Year 7
10 years
CFSB
CFSB
● Live price
14.04%
Share price
$14.25
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$50.3K
Annual income
$3,349.15
Full CFSB calculator →
GIS
GIS
● Live price
6.53%
Share price
$37.22
Annual div
$2.43
5Y div CAGR
22.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.8K
Annual income
$16,211.26
Full GIS calculator →

Portfolio growth — CFSB vs GIS

📍 GIS pulled ahead of the other in Year 7

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodCFSBGIS
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, CFSB + GIS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFSB pays
GIS pays
Both pay
Neither
💰

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
GIS
Annual income on $10K today (after 15% tax)
$554.94/yr
After 10yr DRIP, annual income (after tax)
$13,779.57/yr
At 15% tax rate, GIS beats the other by $10,932.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFSB: 50%GIS: 50%
100% GIS50/50100% CFSB
Portfolio after 10yr
$64.6K
Annual income
$9,780.21/yr
Blended yield
15.15%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GIS right now

CFSB
No analyst data
Altman Z
-0.4
Piotroski
5/9
GIS
Analyst Ratings
9
Buy
19
Hold
6
Sell
Consensus: Hold
Price Target
$47.42
+27.4% upside vs current
Range: $35.00 — $63.00
Altman Z
2.2
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)

CFSB buys
0
GIS buys
0
No recent congressional trades found for CFSB or GIS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFSBGIS
Forward yield14.04%6.53%
Annual dividend / share$2.00$2.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%22.8%
Portfolio after 10y$50.3K$78.8K
Annual income after 10y$3,349.15$16,211.26
Total dividends collected$23.4K$50.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCFSB PortfolioCFSB Income/yrGIS PortfolioGIS Income/yrGap
1$12,104$1,403.51$11,502$801.73+$602.00CFSB
2$14,538$1,587.61$13,365$1,058.29+$1.2KCFSB
3$17,338$1,782.23$15,712$1,411.34+$1.6KCFSB
4$20,538$1,986.41$18,716$1,904.17+$1.8KCFSB
5$24,175$2,199.10$22,629$2,603.16+$1.5KCFSB
6$28,287$2,419.17$27,826$3,612.21+$461.00CFSB
7← crossover$32,912$2,645.41$34,871$5,097.54$2.0KGIS
8$38,093$2,876.63$44,643$7,331.52$6.5KGIS
9$43,871$3,111.61$58,541$10,772.15$14.7KGIS
10$50,291$3,349.15$78,850$16,211.26$28.6KGIS

CFSB vs GIS: Complete Analysis 2026

CFSBStock

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 →

GISConsumer Staples

General Mills, Inc. manufactures and markets branded consumer foods worldwide. The company operates in five segments: North America Retail; Convenience Stores & Foodservice; Europe & Australia; Asia & Latin America; and Pet. It offers ready-to-eat cereals, refrigerated yogurt, soup, meal kits, refrigerated and frozen dough products, dessert and baking mixes, bakery flour, frozen pizza and pizza snacks, snack bars, fruit and salty snacks, ice cream, nutrition bars, wellness beverages, and savory and grain snacks, as well as various organic products, including frozen and shelf-stable vegetables. It also supplies branded and unbranded food products to the North American foodservice and commercial baking industries; and manufactures and markets pet food products, including dog and cat food. The company markets its products under the Annie's, Betty Crocker, Bisquick, Blue Buffalo, Blue Basics, Blue Freedom, Bugles, Cascadian Farm, Cheerios, Chex, Cinnamon Toast Crunch, Cocoa Puffs, Cookie Crisp, EPIC, Fiber One, Food Should Taste Good, Fruit by the Foot, Fruit Gushers, Fruit Roll-Ups, Gardetto's, Go-Gurt, Gold Medal, Golden Grahams, Häagen-Dazs, Helpers, Jus-Rol, Kitano, Kix, Lärabar, Latina, Liberté, Lucky Charms, Muir Glen, Nature Valley, Oatmeal Crisp, Old El Paso, Oui, Pillsbury, Progresso, Raisin Nut Bran, Total, Totino's, Trix, Wanchai Ferry, Wheaties, Wilderness, Yoki, and Yoplait trademarks. It sells its products directly, as well as through broker and distribution arrangements to grocery stores, mass merchandisers, membership stores, natural food chains, e-commerce retailers, commercial and noncommercial foodservice distributors and operators, restaurants, convenience stores, and pet specialty stores, as well as drug, dollar, and discount chains. The company operates 466 leased and 392 franchise ice cream parlors. General Mills, Inc. was founded in 1866 and is headquartered in Minneapolis, Minnesota.

Full GIS 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.