HomeCompareCIWV vs CHD

CIWV vs CHD: Dividend Comparison 2026

CIWV yields 2.36% · CHD yields 1.28%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CIWV wins by $562.2K in total portfolio value
10 years
CIWV
CIWV
● Live price
2.36%
Share price
$43.25
Annual div
$1.02
5Y div CAGR
64%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$588.6K
Annual income
$369,573.30
Full CIWV calculator →
CHD
CHD
● Live price
1.28%
Share price
$93.32
Annual div
$1.19
5Y div CAGR
23.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.4K
Annual income
$1,302.64
Full CHD calculator →

Portfolio growth — CIWV vs CHD

📍 CIWV 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 PeriodCIWVCHD
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, CIWV + CHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CIWV
Annual income on $10K today (after 15% tax)
$200.46/yr
After 10yr DRIP, annual income (after tax)
$314,137.31/yr
CHD
Annual income on $10K today (after 15% tax)
$108.62/yr
After 10yr DRIP, annual income (after tax)
$1,107.24/yr
At 15% tax rate, CIWV beats the other by $313,030.06/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CIWV + CHD for your $10,000?

CIWV: 50%CHD: 50%
100% CHD50/50100% CIWV
Portfolio after 10yr
$307.5K
Annual income
$185,437.97/yr
Blended yield
60.31%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CHD right now

CIWV
No analyst data
Altman Z
0.3
Piotroski
5/9
CHD
Analyst Ratings
18
Buy
15
Hold
1
Sell
Consensus: Buy
Price Target
$98.40
+5.4% upside vs current
Range: $82.00 — $110.00
Altman Z
4.9
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)

CIWV buys
0
CHD buys
0
No recent congressional trades found for CIWV or CHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCIWVCHD
Forward yield2.36%1.28%
Annual dividend / share$1.02$1.19
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR64%23.1%
Portfolio after 10y$588.6K$26.4K
Annual income after 10y$369,573.30$1,302.64
Total dividends collected$546.0K$5.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: CIWV vs CHD ($10,000, DRIP)

YearCIWV PortfolioCIWV Income/yrCHD PortfolioCHD Income/yrGap
1← crossover$11,087$386.77$10,857$157.30+$230.00CIWV
2$12,520$657.24$11,814$196.49+$706.00CIWV
3$14,534$1,137.59$12,887$245.97+$1.6KCIWV
4$17,576$2,024.07$14,097$308.68+$3.5KCIWV
5$22,557$3,751.52$15,473$388.49+$7.1KCIWV
6$31,516$7,379.83$17,046$490.55+$14.5KCIWV
7$49,526$15,803.45$18,861$621.76+$30.7KCIWV
8$91,056$38,063.58$20,973$791.47+$70.1KCIWV
9$204,693$107,262.47$23,454$1,012.51+$181.2KCIWV
10$588,594$369,573.30$26,398$1,302.64+$562.2KCIWV

CIWV vs CHD: Complete Analysis 2026

CIWVStock

Citizens Financial Corp. operates as the bank holding company for Citizens Bank of West Virginia, Inc. that provides retail, secondary market, and commercial loan services to consumers and businesses in West Virginia. It provides various deposit products, including checking accounts, savings accounts, money market accounts, and certificates of deposit. The company offers loan products comprising auto, personal, RVS and camper, motorcycles, boats, and ATVS; and commercial loans, such as term loans, line of credit, real estate loans, and government guaranteed loans, as well as home loans and home equity; IRAs; debit and credit cards; remote deposit; and safe deposit boxes rental. It also provides investment products, such as managed and brokerage accounts, 401K, simple and SEP IRAS, traditional and ROTH IRA, smart 529 plans, insurance, and fixed and variable annuities; investment services, including retirement planning, estate planning, asset allocation, and college savings; and trust services. In addition, the company offers online banking, mobile banking, mobile deposit, bill pay, telephone banking, and credit card processing services, as well as wire transfers and digital wallet. It operates six offices in Elkins, Beverly, Parsons, Snowshoe, Buckhannon, and New Martinsville. The company was founded in 1924 and is headquartered in Elkins, West Virginia.

Full CIWV Calculator →

CHDConsumer Staples

Church & Dwight Co., Inc. develops, manufactures, and markets household, personal care, and specialty products. It operates through three segments: Consumer Domestic, Consumer International, and Specialty Products Division. The company offers cat litters, carpet deodorizers, laundry detergents, and baking soda, as well as other baking soda based products under the ARM & HAMMER brand; condoms, lubricants, and vibrators under the TROJAN brand; stain removers, cleaning solutions, laundry detergents, and bleach alternatives under the OXICLEAN brand; battery-operated and manual toothbrushes under the SPINBRUSH brand; home pregnancy and ovulation test kits under the FIRST RESPONSE brand; depilatories under the NAIR brand; oral analgesics under the ORAJEL brand; laundry detergents under the XTRA brand; gummy dietary supplements under the L'IL CRITTERS and VITAFUSION brands; dry shampoos under the BATISTE brand; water flossers and replacement showerheads under the WATERPIK brand; FLAWLESS products; cold shortening and relief products under the ZICAM brand; and oral care products under the THERABREATH brand. Its specialty products include animal productivity products, such as MEGALAC rumen bypass fat, a supplement that enables cows to maintain energy levels during the period of high milk production; BIO-CHLOR and FERMENTEN, which are used to reduce health issues associated with calving, as well as provides needed protein; and CELMANAX refined functional carbohydrate, a yeast-based prebiotic. The company offers sodium bicarbonate; and cleaning and deodorizing products. It sells its consumer products through supermarkets, mass merchandisers, wholesale clubs, drugstores, convenience stores, home stores, dollar and other discount stores, pet and other specialty stores, and websites and other e-commerce channels; and specialty products to industrial customers and livestock producers through distributors. The company was founded in 1846 and is headquartered in Ewing, New Jersey.

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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.