HomeCompareCOF vs MTB

COF vs MTB: Dividend Comparison 2026

COF yields 1.57% · MTB yields 2.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $23.64M in total portfolio value· pulled ahead in Year 2
10 years
COF
COF
● Live price
1.57%
Share price
$178.13
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.69M
Annual income
$21,107,984.45
Full COF calculator →
MTB
MTB
● Live price
2.91%
Share price
$201.13
Annual div
$5.85
5Y div CAGR
29.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$48.5K
Annual income
$7,904.03
Full MTB calculator →

Portfolio growth — COF vs MTB

📍 COF pulled ahead of the other in Year 2

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 PeriodCOFMTB
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, COF + MTB cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

COF
Annual income on $10K today (after 15% tax)
$133.61/yr
After 10yr DRIP, annual income (after tax)
$17,941,786.78/yr
MTB
Annual income on $10K today (after 15% tax)
$247.23/yr
After 10yr DRIP, annual income (after tax)
$6,718.43/yr
At 15% tax rate, COF beats the other by $17,935,068.36/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of COF + MTB for your $10,000?

COF: 50%MTB: 50%
100% MTB50/50100% COF
Portfolio after 10yr
$11.87M
Annual income
$10,557,944.23/yr
Blended yield
88.96%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

COF
Analyst Ratings
33
Buy
19
Hold
4
Sell
Consensus: Buy
Price Target
$275.50
+54.7% upside vs current
Range: $218.00 — $300.00
Altman Z
-0.4
Piotroski
7/9
MTB
Analyst Ratings
15
Buy
29
Hold
4
Sell
Consensus: Hold
Price Target
$228.63
+13.7% upside vs current
Range: $208.00 — $255.00
Altman Z
-0.3
Piotroski
8/9
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)

COF buys
0
MTB buys
0
No recent congressional trades found for COF or MTB in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCOFMTB
Forward yield1.57%2.91%
Annual dividend / share$2.80$5.85
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%29.4%
Portfolio after 10y$23.69M$48.5K
Annual income after 10y$21,107,984.45$7,904.03
Total dividends collected$23.46M$24.8K
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusBuyHold
Analyst price target$275.50$228.63

Year-by-year: COF vs MTB ($10,000, DRIP)

YearCOF PortfolioCOF Income/yrMTB PortfolioMTB Income/yrGap
1$11,014$314.38$11,076$376.37$62.00MTB
2← crossover$12,433$647.23$12,356$504.15+$77.00COF
3$14,668$1,365.54$13,901$680.12+$767.00COF
4$18,707$3,011.43$15,799$925.35+$2.9KCOF
5$27,195$7,178.47$18,177$1,271.90+$9.0KCOF
6$48,604$19,505.85$21,219$1,769.67+$27.4KCOF
7$117,169$65,162.98$25,203$2,498.31+$92.0KCOF
8$418,993$293,621.92$30,556$3,588.54+$388.4KCOF
9$2,410,904$1,962,580.97$37,956$5,261.49+$2.37MCOF
10$23,687,651$21,107,984.45$48,517$7,904.03+$23.64MCOF

COF vs MTB: Complete Analysis 2026

COFFinancials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

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MTBFinancials

M&T Bank Corporation operates as a bank holding company that provides commercial and retail banking services. The company's Business Banking segment offers deposit, lending, cash management, and other financial services to small businesses and professionals. Its Commercial Banking segment provides deposit products, commercial lending and leasing, letters of credit, and cash management services for middle-market and large commercial customers. The company's Commercial Real Estate segment originates, sells, and services commercial real estate loans; and offers deposit services. Its Discretionary Portfolio segment provides deposits; securities, residential real estate loans, and other assets; and short and long term borrowed funds, as well as foreign exchange services. The company's Residential Mortgage Banking segment offers residential real estate loans for consumers and sells those loans in the secondary market; and purchases servicing rights to loans originated by other entities. Its Retail Banking segment offers demand, savings, and time accounts; consumer installment loans, automobile and recreational finance loans, home equity loans and lines of credit, and credit cards; mutual funds and annuities; and other services. The company also provides trust and wealth management; fiduciary and custodial; insurance agency; institutional brokerage and securities; and investment management services. It offers its services through banking offices, business banking centers, telephone and internet banking, and automated teller machines. As of December 31, 2021, the company operates 688 domestic banking offices in New York State, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia; and a full-service commercial banking office in Ontario, Canada. M&T Bank Corporation was founded in 1856 and is headquartered in Buffalo, 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.