HomeCompareCFSB vs PEP

CFSB vs PEP: Dividend Comparison 2026

CFSB yields 14.04% · PEP yields 3.63%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PEP wins by $91.6K in total portfolio value· pulled ahead in Year 8
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 →
PEP
PepsiCo Inc.
● Live price
3.63%
Share price
$156.82
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$141.9K
Annual income
$61,875.67
Full PEP calculator →

Portfolio growth — CFSB vs PEP

📍 PEP pulled ahead of the other in Year 8

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 PeriodCFSBPEP
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 + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFSB pays
PEP 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
PEP
Annual income on $10K today (after 15% tax)
$308.41/yr
After 10yr DRIP, annual income (after tax)
$52,594.32/yr
At 15% tax rate, PEP beats the other by $49,747.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFSB: 50%PEP: 50%
100% PEP50/50100% CFSB
Portfolio after 10yr
$96.1K
Annual income
$32,612.42/yr
Blended yield
33.93%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

CFSB
No analyst data
Altman Z
-0.4
Piotroski
5/9
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+10.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
Piotroski
7/9
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
PEP buys
0
No recent congressional trades found for CFSB or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFSBPEP
Forward yield14.04%3.63%
Annual dividend / share$2.00$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%40.4%
Portfolio after 10y$50.3K$141.9K
Annual income after 10y$3,349.15$61,875.67
Total dividends collected$23.4K$123.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCFSB PortfolioCFSB Income/yrPEP PortfolioPEP Income/yrGap
1$12,104$1,403.51$10,849$509.42+$1.3KCFSB
2$14,538$1,587.61$11,969$750.47+$2.6KCFSB
3$17,338$1,782.23$13,500$1,124.14+$3.8KCFSB
4$20,538$1,986.41$15,680$1,721.66+$4.9KCFSB
5$24,175$2,199.10$18,929$2,715.34+$5.2KCFSB
6$28,287$2,419.17$24,023$4,450.80+$4.3KCFSB
7$32,912$2,645.41$32,510$7,669.92+$402.00CFSB
8← crossover$38,093$2,876.63$47,709$14,093.60$9.6KPEP
9$43,871$3,111.61$77,415$28,083.48$33.5KPEP
10$50,291$3,349.15$141,922$61,875.67$91.6KPEP

CFSB vs PEP: 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 →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.