HomeCompareCYSM vs PEP

CYSM vs PEP: Dividend Comparison 2026

CYSM yields 1.54% · PEP yields 3.63%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CYSM wins by $21.84M 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 →
PEP
PepsiCo Inc.
● Live price
3.63%
Share price
$156.82
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$141.9K
Annual income
$61,875.67
Full PEP calculator →

Portfolio growth — CYSM vs PEP

📍 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 PeriodCYSMPEP
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, CYSM + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CYSM pays
PEP pays
Both pay
Neither
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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
PEP
Annual income on $10K today (after 15% tax)
$308.41/yr
After 10yr DRIP, annual income (after tax)
$52,594.32/yr
At 15% tax rate, CYSM beats the other by $16,562,755.29/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CYSM: 50%PEP: 50%
100% PEP50/50100% CYSM
Portfolio after 10yr
$11.06M
Annual income
$9,804,672.91/yr
Blended yield
88.63%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

CYSM
No analyst data
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+10.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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)

CYSM buys
0
PEP buys
0
No recent congressional trades found for CYSM or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCYSMPEP
Forward yield1.54%3.63%
Annual dividend / share$0.30$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%40.4%
Portfolio after 10y$21.98M$141.9K
Annual income after 10y$19,547,470.13$61,875.67
Total dividends collected$21.77M$123.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCYSM PortfolioCYSM Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$11,008$308.48$10,849$509.42+$159.00CYSM
2$12,414$634.75$11,969$750.47+$445.00CYSM
3$14,621$1,337.92$13,500$1,124.14+$1.1KCYSM
4$18,590$2,945.36$15,680$1,721.66+$2.9KCYSM
5$26,891$6,999.79$18,929$2,715.34+$8.0KCYSM
6$47,699$18,926.18$24,023$4,450.80+$23.7KCYSM
7$113,789$62,750.80$32,510$7,669.92+$81.3KCYSM
8$401,559$279,804.63$47,709$14,093.60+$353.9KCYSM
9$2,275,322$1,845,654.63$77,415$28,083.48+$2.20MCYSM
10$21,982,065$19,547,470.13$141,922$61,875.67+$21.84MCYSM

CYSM vs PEP: Complete Analysis 2026

CYSMStock

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 →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.