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CNFR vs PM: Dividend Comparison 2026

CNFR yields 135.14% · PM yields 3.48%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CNFR wins by $14.85M in total portfolio value
10 years
CNFR
CNFR
● Live price
135.14%
Share price
$1.48
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$14.90M
Annual income
$6,066,079.91
Full CNFR calculator →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — CNFR vs PM

📍 CNFR 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 PeriodCNFRPM
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, CNFR + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CNFR
Annual income on $10K today (after 15% tax)
$11,486.49/yr
After 10yr DRIP, annual income (after tax)
$5,156,167.92/yr
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, CNFR beats the other by $5,154,049.71/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CNFR: 50%PM: 50%
100% PM50/50100% CNFR
Portfolio after 10yr
$7.47M
Annual income
$3,034,285.97/yr
Blended yield
40.60%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

CNFR
Analyst Ratings
3
Hold
1
Sell
Consensus: Hold
Altman Z
-0.2
Piotroski
2/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% 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)

CNFR buys
0
PM buys
0
No recent congressional trades found for CNFR or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCNFRPM
Forward yield135.14%3.48%
Annual dividend / share$2.00$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%17.2%
Portfolio after 10y$14.90M$49.6K
Annual income after 10y$6,066,079.91$2,492.02
Total dividends collected$13.68M$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearCNFR PortfolioCNFR Income/yrPM PortfolioPM Income/yrGap
1← crossover$24,214$13,513.51$11,648$408.29+$12.6KCNFR
2$56,489$30,580.34$13,589$495.90+$42.9KCNFR
3$127,118$66,675.01$15,877$603.21+$111.2KCNFR
4$276,241$140,224.56$18,580$734.88+$257.7KCNFR
5$580,365$284,787.59$21,781$896.75+$558.6KCNFR
6$1,180,170$559,178.96$25,578$1,096.12+$1.15MCNFR
7$2,325,480$1,062,698.63$30,092$1,342.17+$2.30MCNFR
8$4,445,281$1,957,016.59$35,470$1,646.46+$4.41MCNFR
9$8,252,658$3,496,207.78$41,892$2,023.58+$8.21MCNFR
10$14,896,424$6,066,079.91$49,578$2,492.02+$14.85MCNFR

CNFR vs PM: Complete Analysis 2026

CNFRStock

Conifer Holdings, Inc., an insurance holding company, engages in the sale of property and casualty insurance products. It offers insurance coverage in specialty commercial and personal product lines. The company underwrites various specialty insurance products, including property, general liability, liquor liability, automobile, and homeowners and dwelling policies. It serves the commercial insurance needs of owner-operated businesses in the markets, such as hospitality, which includes restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors comprising plumbers, painters, carpenters, electricians, and other independent contractors; and security service providers, including companies that provide security guard services, security alarm products and services, and private investigative services. The company also offers specialty homeowners insurance products, such as low- value dwelling insurance tailored for owners of lower valued homes in Illinois, Indiana, Louisiana, and Texas; and wholesale agency services comprising commercial and personal lines insurance products for its insurance company subsidiaries, as well as third party insurers. Conifer Holdings, Inc. markets and sells its insurance products through a network of approximately 4,600 independent agents in 50 states in the United States. The company was incorporated in 2009 and is headquartered in Birmingham, Michigan.

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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.

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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.