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CZBC vs MCD: Dividend Comparison 2026

CZBC yields 1.47% · MCD yields 2.35%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCD wins by $58.4K in total portfolio value
10 years
CZBC
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 →
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 — CZBC vs MCD

📍 MCD 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 PeriodCZBCMCD
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, CZBC + MCD cover 0 of 12 months — good coverage

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

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
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 $22,290.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZBC: 50%MCD: 50%
100% MCD50/50100% CZBC
Portfolio after 10yr
$49.4K
Annual income
$13,115.61/yr
Blended yield
26.57%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

CZBC
No analyst data
Altman Z
0.2
Piotroski
4/9
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)

CZBC buys
0
MCD buys
0
No recent congressional trades found for CZBC or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBCMCD
Forward yield1.47%2.35% ✓
Annual dividend / share$0.20$7.26 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-31.3%42.3% ✓
Portfolio after 10y$20.2K$78.5K ✓
Annual income after 10y$3.52$26,227.70 ✓
Total dividends collected$318.00 ✓$58.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary

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

YearCZBC PortfolioCZBC Income/yrMCD PortfolioMCD Income/yrGap
1← crossover$10,801$100.73$10,815$334.85$14.00 → MCD
2$11,627$69.86$11,826$491.71$199.00 → MCD
3$12,489$48.28$13,123$730.06$634.00 → MCD
4$13,396$33.30$14,853$1,100.07$1.5K → MCD
5$14,357$22.93$17,257$1,690.61$2.9K → MCD
6$15,378$15.78$20,752$2,667.01$5.4K → MCD
7$16,465$10.85$26,103$4,354.83$9.6K → MCD
8$17,625$7.46$34,794$7,437.78$17.2K → MCD
9$18,864$5.13$49,926$13,461.60$31.1K → MCD
10$20,188$3.52$78,550$26,227.70$58.4K → MCD

CZBC vs MCD: 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 →

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.