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CMHF vs MCD: Dividend Comparison 2026

CMHF yields 1.03% · MCD yields 2.35%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CMHF wins by $5.00M in total portfolio value
10 years
CMHF
CMHF
● Live price
1.03%
Share price
$31.00
Annual div
$0.32
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$5.08M
Annual income
$4,279,637.30
Full CMHF calculator →
MCD
McDonald's Corporation
● Live price
2.35%
Share price
$308.53
Annual div
$7.26
5Y div CAGR
42.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.5K
Annual income
$26,227.70
Full MCD calculator →

Portfolio growth — CMHF vs MCD

📍 CMHF pulled ahead of the other in Year 1

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 PeriodCMHFMCD
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, CMHF + MCD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CMHF pays
MCD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CMHF
Annual income on $10K today (after 15% tax)
$87.74/yr
After 10yr DRIP, annual income (after tax)
$3,637,691.70/yr
MCD
Annual income on $10K today (after 15% tax)
$200.01/yr
After 10yr DRIP, annual income (after tax)
$22,293.55/yr
At 15% tax rate, CMHF beats the other by $3,615,398.16/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CMHF + MCD for your $10,000?

CMHF: 50%MCD: 50%
100% MCD50/50100% CMHF
Portfolio after 10yr
$2.58M
Annual income
$2,152,932.50/yr
Blended yield
83.53%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

CMHF
No analyst data
Altman Z
-0.0
Piotroski
5/9
MCD
Analyst Ratings
37
Buy
23
Hold
1
Sell
Consensus: Buy
Price Target
$351.76
+14.0% upside vs current
Range: $320.00 — $385.00
Altman Z
4.9
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)

CMHF buys
0
MCD buys
0
No recent congressional trades found for CMHF or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCMHFMCD
Forward yield1.03%2.35% ✓
Annual dividend / share$0.32$7.26 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓42.3%
Portfolio after 10y$5.08M$78.5K ✓
Annual income after 10y$4,279,637.30 ✓$26,227.70
Total dividends collected$4.99M$58.5K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary

Year-by-year: CMHF vs MCD ($10,000, DRIP)

YearCMHF PortfolioCMHF Income/yrMCD PortfolioMCD Income/yrGap
1← crossover$10,906$206.45$10,815$334.85+$91.00 → CMHF
2$12,091$420.87$11,826$491.71+$265.00 → CMHF
3$13,809$872.10$13,123$730.06+$686.00 → CMHF
4$16,638$1,861.77$14,853$1,100.07+$1.8K → CMHF
5$21,995$4,192.71$17,257$1,690.61+$4.7K → CMHF
6$33,895$10,360.32$20,752$2,667.01+$13.1K → CMHF
7$66,110$29,842.19$26,103$4,354.83+$40.0K → CMHF
8$179,532$108,794.65$34,794$7,437.78+$144.7K → CMHF
9$744,342$552,242.96$49,926$13,461.60+$694.4K → CMHF
10$5,076,084$4,279,637.30$78,550$26,227.70+$5.00M → CMHF

CMHF vs MCD: Complete Analysis 2026

CMHF — Stock

Community Heritage Financial, Inc., through its subsidiaries, provides retail and commercial banking services to individuals and businesses in Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia. It operates in two segments, Commercial Banking and Mortgage Banking. The Commercial Banking segment offers commercial loans, real estate loans, installment loans, and consumer loans, as well as other business financing services; and deposit products, including demand deposit accounts, savings accounts, time deposit, and certificates of deposit. The Mortgage Banking segment primarily engages in the origination of residential mortgages for sale into the secondary market. The company also provides life insurance services. It operates through a network of eight branches located in Frederick and Washington Counties, Maryland. The company was incorporated in 2018 and is based in Middletown, Maryland.

Full CMHF Calculator →

MCD — Consumer Discretionary

McDonald's Corporation operates and franchises McDonald's restaurants in the United States and internationally. Its restaurants offer hamburgers and cheeseburgers, chicken sandwiches and nuggets, wraps, fries, salads, oatmeal, shakes, desserts, sundaes, soft serve cones, bakery items, soft drinks, coffee, and beverages and other beverages, as well as breakfast menu, including biscuit and bagel sandwiches, breakfast burritos, hotcakes, and other sandwiches. As of December 31, 2021, the company operated 40,031 restaurants. McDonald's Corporation was founded in 1940 and is headquartered in Chicago, Illinois.

Full MCD 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.