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CYSM vs MCD: Dividend Comparison 2026

CYSM yields 1.54% · MCD yields 2.35%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CYSM wins by $21.90M in total portfolio value
10 years
CYSM
CYSM
● Live price
1.54%
Share price
$19.45
Annual div
$0.30
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.98M
Annual income
$19,547,470.13
Full CYSM 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 — CYSM vs MCD

📍 CYSM 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 PeriodCYSMMCD
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, CYSM + MCD cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CYSM
Annual income on $10K today (after 15% tax)
$131.11/yr
After 10yr DRIP, annual income (after tax)
$16,615,349.61/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, CYSM beats the other by $16,593,056.07/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CYSM: 50%MCD: 50%
100% MCD50/50100% CYSM
Portfolio after 10yr
$11.03M
Annual income
$9,786,848.92/yr
Blended yield
88.73%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

CYSM
No analyst data
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)

CYSM buys
0
MCD buys
0
No recent congressional trades found for CYSM or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCYSMMCD
Forward yield1.54%2.35% ✓
Annual dividend / share$0.30$7.26 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓42.3%
Portfolio after 10y$21.98M$78.5K ✓
Annual income after 10y$19,547,470.13 ✓$26,227.70
Total dividends collected$21.77M$58.5K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary

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

YearCYSM PortfolioCYSM Income/yrMCD PortfolioMCD Income/yrGap
1← crossover$11,008$308.48$10,815$334.85+$193.00 → CYSM
2$12,414$634.75$11,826$491.71+$588.00 → CYSM
3$14,621$1,337.92$13,123$730.06+$1.5K → CYSM
4$18,590$2,945.36$14,853$1,100.07+$3.7K → CYSM
5$26,891$6,999.79$17,257$1,690.61+$9.6K → CYSM
6$47,699$18,926.18$20,752$2,667.01+$26.9K → CYSM
7$113,789$62,750.80$26,103$4,354.83+$87.7K → CYSM
8$401,559$279,804.63$34,794$7,437.78+$366.8K → CYSM
9$2,275,322$1,845,654.63$49,926$13,461.60+$2.23M → CYSM
10$21,982,065$19,547,470.13$78,550$26,227.70+$21.90M → CYSM

CYSM vs MCD: Complete Analysis 2026

CYSM — Stock

Community Bancorp of Santa Maria, through its subsidiary, Community Bank of Santa Maria, provides various banking products and services for businesses and individuals. The company's deposit products include checking, NOW, money market savings, savings, seedling, Christmas Club, individual retirement, and CDARS accounts; and certificates of deposit. Its loan portfolio comprises home equity lines of credit, personal and commercial real estate loans, commercial construction loans, personal and vehicle loans, mortgage loans, agribusiness loans, commercial equipment loans, commercial and multi-family real estate loans, and commercial revolving lines of credit, as well as Redi-Credit. The company also provides credit and debit cards; and e-banking services. It operates through 2 full-service offices in the Central Coast area of California. The company was founded in 2001 and is based in Santa Maria, California.

Full CYSM 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.