HomeCompareCINF vs CSX

CINF vs CSX: Dividend Comparison 2026

CINF yields 2.27% · CSX yields 1.32%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CINF wins by $19.8K in total portfolio value
10 years
CINF
CINF
● Live price
2.27%
Share price
$156.42
Annual div
$3.55
5Y div CAGR
44.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$84.7K
Annual income
$26,110.98
Full CINF calculator →
CSX
CSX
● Live price
1.32%
Share price
$40.30
Annual div
$0.53
5Y div CAGR
50.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$64.9K
Annual income
$18,410.40
Full CSX calculator →

Portfolio growth — CINF vs CSX

📍 CINF 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 PeriodCINFCSX
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, CINF + CSX cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CINF pays
CSX pays
Both pay
Neither
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Tax Bracket Optimizer

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

CINF
Annual income on $10K today (after 15% tax)
$192.91/yr
After 10yr DRIP, annual income (after tax)
$22,194.33/yr
CSX
Annual income on $10K today (after 15% tax)
$111.79/yr
After 10yr DRIP, annual income (after tax)
$15,648.84/yr
At 15% tax rate, CINF beats the other by $6,545.49/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CINF + CSX for your $10,000?

CINF: 50%CSX: 50%
100% CSX50/50100% CINF
Portfolio after 10yr
$74.8K
Annual income
$22,260.69/yr
Blended yield
29.75%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CSX right now

CINF
Analyst Ratings
9
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$166.00
+6.1% upside vs current
Range: $157.00 — $175.00
Altman Z
1.9
Piotroski
6/9
CSX
Analyst Ratings
27
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$39.00
-3.2% upside vs current
Range: $30.00 — $45.00
Altman Z
2.4
Piotroski
5/9
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)

CINF buys
0
CSX buys
0
No recent congressional trades found for CINF or CSX in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCINFCSX
Forward yield2.27%1.32%
Annual dividend / share$3.55$0.53
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR44.1%50.4%
Portfolio after 10y$84.7K$64.9K
Annual income after 10y$26,110.98$18,410.40
Total dividends collected$58.9K$41.0K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$166.00$39.00

Year-by-year: CINF vs CSX ($10,000, DRIP)

YearCINF PortfolioCINF Income/yrCSX PortfolioCSX Income/yrGap
1← crossover$11,027$327.04$10,898$197.80+$129.00CINF
2$12,285$485.67$11,964$302.99+$321.00CINF
3$13,873$728.65$13,269$467.53+$604.00CINF
4$15,952$1,108.20$14,926$728.85+$1.0KCINF
5$18,785$1,716.13$17,124$1,152.46+$1.7KCINF
6$22,822$2,721.57$20,181$1,858.37+$2.6KCINF
7$28,872$4,452.79$24,672$3,078.48+$4.2KCINF
8$38,480$7,586.48$31,689$5,290.13+$6.8KCINF
9$54,790$13,616.74$43,458$9,550.75+$11.3KCINF
10$84,736$26,110.98$64,910$18,410.40+$19.8KCINF

CINF vs CSX: Complete Analysis 2026

CINFFinancials

Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty, commercial property, commercial auto, and workers' compensation. It also provides director and officer liability insurance, contract and commercial surety bonds, and fidelity bonds; and machinery and equipment coverage. The Personal Lines Insurance segment offers personal auto insurance; homeowner insurance; and dwelling fire, inland marine, personal umbrella liability, and watercraft coverages to individuals. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance products; universal life insurance products; worksite products, such as term life; and whole life insurance products. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. Cincinnati Financial Corporation was founded in 1950 and is headquartered in Fairfield, Ohio.

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CSXStock

CSX Corporation, together with its subsidiaries, provides rail-based freight transportation services. The company offers rail services; and transportation of intermodal containers and trailers, as well as other transportation services, such as rail-to-truck transfers and bulk commodity operations. It transports chemicals, agricultural and food products, automotive, minerals, forest products, fertilizers, and metals and equipment; and coal, coke, and iron ore to electricity-generating power plants, steel manufacturers, and industrial plants, as well as exports coal to deep-water port facilities. The company also offers intermodal transportation services through a network of approximately 30 terminals transporting manufactured consumer goods in containers; and drayage services, including the pickup and delivery of intermodal shipments. It serves the automotive industry with distribution centers and storage locations, as well as connects non-rail served customers through transferring products, such as plastics and ethanol from rail to trucks. The company operates approximately 19,500 route mile rail network, which serves various population centers in 23 states east of the Mississippi River, the District of Columbia, and the Canadian provinces of Ontario and Quebec, as well as owns and leases approximately 3,500 locomotives. It also serves production and distribution facilities through track connections. CSX Corporation was incorporated in 1978 and is headquartered in Jacksonville, Florida.

Full CSX 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.