HomeCompareCIWV vs CL

CIWV vs CL: Dividend Comparison 2026

CIWV yields 2.36% · CL yields 2.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CIWV wins by $547.6K 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 →
CL
CL
● Live price
2.44%
Share price
$85.23
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$41.0K
Annual income
$5,451.69
Full CL calculator →

Portfolio growth — CIWV vs CL

📍 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 PeriodCIWVCL
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 + CL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CIWV pays
CL 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
CL
Annual income on $10K today (after 15% tax)
$207.44/yr
After 10yr DRIP, annual income (after tax)
$4,633.94/yr
At 15% tax rate, CIWV beats the other by $309,503.37/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CIWV: 50%CL: 50%
100% CL50/50100% CIWV
Portfolio after 10yr
$314.8K
Annual income
$187,512.50/yr
Blended yield
59.57%
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Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

CIWV
No analyst data
Altman Z
0.3
Piotroski
5/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+8.5% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
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
CL buys
0
No recent congressional trades found for CIWV or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCIWVCL
Forward yield2.36%2.44%
Annual dividend / share$1.02$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR64%28.6%
Portfolio after 10y$588.6K$41.0K
Annual income after 10y$369,573.30$5,451.69
Total dividends collected$546.0K$18.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCIWV PortfolioCIWV Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,087$386.77$11,014$313.84+$73.00CIWV
2$12,520$657.24$12,200$415.44+$320.00CIWV
3$14,534$1,137.59$13,607$553.09+$927.00CIWV
4$17,576$2,024.07$15,301$741.41+$2.3KCIWV
5$22,557$3,751.52$17,374$1,002.00+$5.2KCIWV
6$31,516$7,379.83$19,958$1,367.44+$11.6KCIWV
7$49,526$15,803.45$23,243$1,887.87+$26.3KCIWV
8$91,056$38,063.58$27,512$2,642.43+$63.5KCIWV
9$204,693$107,262.47$33,197$3,759.22+$171.5KCIWV
10$588,594$369,573.30$40,973$5,451.69+$547.6KCIWV

CIWV vs CL: 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 →

CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL 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.