HomeCompareCZBC vs MO

CZBC vs MO: Dividend Comparison 2026

CZBC yields 1.47% · MO yields 6.36%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $59.9K in total portfolio value· pulled ahead in Year 3
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 →
MO
Altria Group Inc.
● Live price
6.36%
Share price
$65.99
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$80.1K
Annual income
$30,159.17
Full MO calculator →

Portfolio growth — CZBC vs MO

📍 MO pulled ahead of the other in Year 3

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 PeriodCZBCMO
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 + MO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CZBC pays
MO 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
MO
Annual income on $10K today (after 15% tax)
$540.99/yr
After 10yr DRIP, annual income (after tax)
$25,635.29/yr
At 15% tax rate, MO beats the other by $25,632.30/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZBC: 50%MO: 50%
100% MO50/50100% CZBC
Portfolio after 10yr
$50.2K
Annual income
$15,081.34/yr
Blended yield
30.07%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

CZBC
No analyst data
Altman Z
0.2
Piotroski
4/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-7.2% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
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)

CZBC buys
0
MO buys
0
No recent congressional trades found for CZBC or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBCMO
Forward yield1.47%6.36%
Annual dividend / share$0.20$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-31.3%22.6%
Portfolio after 10y$20.2K$80.1K
Annual income after 10y$3.52$30,159.17
Total dividends collected$318.00$74.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCZBC PortfolioCZBC Income/yrMO PortfolioMO Income/yrGap
1$10,801$100.73$10,570$780.30+$231.00CZBC
2$11,627$69.86$11,381$1,032.90+$246.00CZBC
3← crossover$12,489$48.28$12,535$1,392.73$46.00MO
4$13,396$33.30$14,193$1,920.91$797.00MO
5$14,357$22.93$16,618$2,723.68$2.3KMO
6$15,378$15.78$20,263$3,993.80$4.9KMO
7$16,465$10.85$25,936$6,098.36$9.5KMO
8$17,625$7.46$35,166$9,775.01$17.5KMO
9$18,864$5.13$51,026$16,597.78$32.2KMO
10$20,188$3.52$80,113$30,159.17$59.9KMO

CZBC vs MO: Complete Analysis 2026

CZBCStock

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 →

MOConsumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

Full MO 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.