Is CZBC or DVY a better dividend investment in 2026?

CZBC currently yields 1.47% with a 5% 5-year dividend growth rate. DVY yields 3.50% with 5% growth. The better choice depends on your goal: DVY offers higher current income.

What is the dividend yield difference between CZBC and DVY?

CZBC has a forward dividend yield of 1.47% ($0.20/share annually). DVY yields 3.50% ($5.25/share annually). The yield gap is 2.03 percentage points.

Home › Compare › CZBC vs DVY

CZBC vs DVY: Dividend Comparison 2026

CZBC yields 1.47% · DVY yields 3.50%● Live data

vsPost on X →

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

🏆 DVY wins by $4.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CZBC

● Live price

1.47%

Share price

$13.64

Annual div

$0.20

5Y div CAGR

-31.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.2K

Annual income

$3.52

Full CZBC calculator →

DVY

● Live price

3.50%

Share price

$150.03

Annual div

$5.25

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.1K

Annual income

$437.78

Full DVY calculator →

Portfolio growth — CZBC vs DVY

📍 DVY 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 Period	CZBC	DVY
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, CZBC + DVY cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

CZBC pays

DVY pays

Both pay

Neither

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Tax Bracket Optimizer

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

CZBC

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

$124.63/yr

After 10yr DRIP, annual income (after tax)

$2.99/yr

DVY

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

$297.17/yr

After 10yr DRIP, annual income (after tax)

$372.11/yr

At 15% tax rate, DVY beats the other by $369.12/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CZBC + DVY for your $10,000?

CZBC: 50%DVY: 50%

100% DVY50/50100% CZBC

Portfolio after 10yr

$22.6K

Annual income

$220.65/yr

Blended yield

0.98%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CZBC buys

DVY buys

No recent congressional trades found for CZBC or DVY in the last 90 days.

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

MetricCZBCDVY

Forward yield	1.47%	3.50% ✓
Annual dividend / share	$0.20	$5.25 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-31.3%	0% ✓
Portfolio after 10y	$20.2K	$25.1K ✓
Annual income after 10y	$3.52	$437.78 ✓
Total dividends collected	$318.00 ✓	$4.0K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CZBC vs DVY ($10,000, DRIP)

Year	CZBC Portfolio	CZBC Income/yr	DVY Portfolio	DVY Income/yr	Gap
1← crossover	$10,801	$100.73	$11,050	$349.62	$249.00 → DVY
2	$11,627	$69.86	$12,184	$361.04	$557.00 → DVY
3	$12,489	$48.28	$13,409	$372.07	$920.00 → DVY
4	$13,396	$33.30	$14,730	$382.68	$1.3K → DVY
5	$14,357	$22.93	$16,154	$392.89	$1.8K → DVY
6	$15,378	$15.78	$17,688	$402.69	$2.3K → DVY
7	$16,465	$10.85	$19,338	$412.07	$2.9K → DVY
8	$17,625	$7.46	$21,113	$421.04	$3.5K → DVY
9	$18,864	$5.13	$23,020	$429.61	$4.2K → DVY
10	$20,188	$3.52	$25,070	$437.78	$4.9K → DVY

CZBC vs DVY: Complete Analysis 2026

CZBC — Stock

Citizens Bancorp operates as the holding company for Citizens Bank that provides various banking products and services to individuals and businesses. The company accepts personal and business checking and savings accounts. Its loan products include personal loans, such as personal lines of credit, credit cards, savings or CD secured loans, home equity lines of credit, property improvement loans, auto loans/recreational vehicle loans, and other personal loans; business loans comprising real estate loans, agricultural loans, equipment loans, inventory loans, working capital lines of credit, letters of credit, government sponsored loans, and other business loans; and mortgage loans. The company also provides online and mobile banking, merchant, bill pay, order check, merchant, remote deposit capture, and other financial services. It operates 15 branches in Benton, Clackamas, Lane, Linn, Marion, Polk, Washington, and Yamhill counties in Oregon. Citizens Bancorp was founded in 1957 and is headquartered in Corvallis, Oregon.

Full CZBC Calculator →

DVY — ETF

The iShares Select Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full DVY 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.