Is CVLY or MCD a better dividend investment in 2026?

CVLY currently yields 2.83% with a 5% 5-year dividend growth rate. MCD yields 2.35% with 8.5% growth. The better choice depends on your goal: CVLY offers higher current income.

What is the dividend yield difference between CVLY and MCD?

CVLY has a forward dividend yield of 2.83% ($0.68/share annually). MCD yields 2.35% ($7.26/share annually). The yield gap is 0.48 percentage points.

Home › Compare › CVLY vs MCD

CVLY vs MCD: Dividend Comparison 2026

CVLY yields 2.83% · MCD yields 2.35%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 MCD wins by $46.9K in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

CVLY

● Live price

2.83%

Share price

$24.04

Annual div

$0.68

5Y div CAGR

17.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.7K

Annual income

$2,112.83

Full CVLY 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 — CVLY vs MCD

📍 MCD pulled ahead of the other in Year 5

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 Period	CVLY	MCD
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, CVLY + MCD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CVLY pays

MCD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CVLY

Annual income on $10K today (after 15% tax)

$240.43/yr

After 10yr DRIP, annual income (after tax)

$1,795.91/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, MCD beats the other by $20,497.64/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

CVLY: 50%MCD: 50%

100% MCD50/50100% CVLY

Portfolio after 10yr

$55.1K

Annual income

$14,170.27/yr

Blended yield

25.72%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

CVLY

Analyst Ratings

Buy

Consensus: Buy

Altman Z

-0.5

Piotroski

6/9

MCD

Analyst Ratings

Buy

Hold

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)

CVLY buys

MCD buys

No recent congressional trades found for CVLY or MCD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCVLYMCD

Forward yield	2.83% ✓	2.35%
Annual dividend / share	$0.68	$7.26 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	17.4%	42.3% ✓
Portfolio after 10y	$31.7K	$78.5K ✓
Annual income after 10y	$2,112.83	$26,227.70 ✓
Total dividends collected	$9.7K	$58.5K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Discretionary
Analyst consensus	Buy	Buy

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

Year	CVLY Portfolio	CVLY Income/yr	MCD Portfolio	MCD Income/yr	Gap
1	$11,032	$332.08	$10,815	$334.85	+$217.00 → CVLY
2	$12,206	$401.96	$11,826	$491.71	+$380.00 → CVLY
3	$13,549	$487.97	$13,123	$730.06	+$426.00 → CVLY
4	$15,091	$594.28	$14,853	$1,100.07	+$238.00 → CVLY
5← crossover	$16,874	$726.29	$17,257	$1,690.61	$383.00 → MCD
6	$18,946	$891.01	$20,752	$2,667.01	$1.8K → MCD
7	$21,370	$1,097.67	$26,103	$4,354.83	$4.7K → MCD
8	$24,225	$1,358.44	$34,794	$7,437.78	$10.6K → MCD
9	$27,610	$1,689.56	$49,926	$13,461.60	$22.3K → MCD
10	$31,655	$2,112.83	$78,550	$26,227.70	$46.9K → MCD

CVLY vs MCD: Complete Analysis 2026

CVLY — Stock

Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides community banking services. The company accepts demand, money market, time, and savings deposits, as well as certificates of deposit. It also offers commercial loans, such as builder and developer, commercial and residential real estate investor, hotel/motel, wholesale and retail, agriculture, manufacturing, and other loans; consume loans, including residential mortgage, home equity, and others. In addition, the company provides mortgage and wealth management services; and sells non-deposit investment products. It operates through twenty-five full service financial centers located in South Central Pennsylvania and Central Maryland. The company was founded in 1864 and is headquartered in York, Pennsylvania.

Full CVLY 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.