HomeCompareCLDB vs PM

CLDB vs PM: Dividend Comparison 2026

CLDB yields 40.19% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CLDB wins by $15615634208.55M in total portfolio value
10 years
CLDB
CLDB
● Live price
40.19%
Share price
$28.47
Annual div
$11.44
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$15615634208.60M
Annual income
$15,541,348,962,393,100.00
Full CLDB calculator →
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM calculator →

Portfolio growth — CLDB vs PM

📍 CLDB 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 PeriodCLDBPM
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, CLDB + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CLDB
Annual income on $10K today (after 15% tax)
$3,416.20/yr
After 10yr DRIP, annual income (after tax)
$13,210,146,618,034,134.00/yr
PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/yr
At 15% tax rate, CLDB beats the other by $13,210,146,618,032,006.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CLDB + PM for your $10,000?

CLDB: 50%PM: 50%
100% PM50/50100% CLDB
Portfolio after 10yr
$7807817104.33M
Annual income
$7,770,674,481,197,801.00/yr
Blended yield
99.52%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

CLDB
No analyst data
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
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)

CLDB buys
0
PM buys
0
No recent congressional trades found for CLDB or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCLDBPM
Forward yield40.19%3.49%
Annual dividend / share$11.44$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%17.2%
Portfolio after 10y$15615634208.60M$49.6K
Annual income after 10y$15,541,348,962,393,100.00$2,502.61
Total dividends collected$15610733571.37M$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: CLDB vs PM ($10,000, DRIP)

YearCLDB PortfolioCLDB Income/yrPM PortfolioPM Income/yrGap
1← crossover$18,738$8,038.11$11,650$409.56+$7.1KCLDB
2$48,203$28,153.08$13,592$497.49+$34.6KCLDB
3$186,946$135,369.00$15,882$605.21+$171.1KCLDB
4$1,181,348$981,316.12$18,589$737.41+$1.16MCLDB
5$12,854,934$11,590,891.30$21,794$899.94+$12.83MCLDB
6$249,506,519$235,751,739.12$25,597$1,100.16+$249.48MCLDB
7$8,819,867,463$8,552,895,488.39$30,118$1,347.30+$8819.84MCLDB
8$574,555,785,428$565,118,527,242.66$35,505$1,652.97+$574555.75MCLDB
9$69,425,463,746,547$68,810,689,056,138.34$41,940$2,031.88+$69425463.70MCLDB
10$15,615,634,208,601,904$15,541,348,962,393,100.00$49,643$2,502.61+$15615634208.55MCLDB

CLDB vs PM: Complete Analysis 2026

CLDBStock

Cortland Bancorp, Inc. is a bank holding company, which provides commercial and retail banking services through its subsidiary, The Cortland Savings and Banking Company. The company is headquartered in Cortland, Ohio and currently employs 144 full-time employees. The firm's principal activity is to own, manage and supervise The Cortland Savings and Banking Company (Cortland Banks or the Bank). The firm operates through the commercial banking segment. The Bank is a state chartered bank engaged in commercial and retail banking. The Bank's services include checking accounts, savings accounts, time deposit accounts, commercial, mortgage and installment loans, night depository, automated teller services, safe deposit boxes and other miscellaneous services. The Bank provides brokerage and investment services through an arrangement with Investment Professionals, Inc. Under this arrangement, financial advisors offer customers a range of investment products and services, such as estate planning, annuities, life insurance, fixed income, and equity securities and equity research and recommendations. The Bank, through Investment Professionals, Inc., also offers asset management services to customers.

Full CLDB Calculator →

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

Full PM 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.