HomeCompareCZBC vs PG

CZBC vs PG: Dividend Comparison 2026

CZBC yields 1.47% · PG yields 2.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PG wins by $31.2K 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 →
PG
Procter & Gamble
● Live price
2.92%
Share price
$144.73
Annual div
$4.23
5Y div CAGR
31.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$51.4K
Annual income
$9,955.44
Full PG calculator →

Portfolio growth — CZBC vs PG

📍 PG 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 PeriodCZBCPG
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 + PG cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CZBC pays
PG 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
PG
Annual income on $10K today (after 15% tax)
$248.27/yr
After 10yr DRIP, annual income (after tax)
$8,462.12/yr
At 15% tax rate, PG beats the other by $8,459.13/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZBC: 50%PG: 50%
100% PG50/50100% CZBC
Portfolio after 10yr
$35.8K
Annual income
$4,979.48/yr
Blended yield
13.91%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PG right now

CZBC
No analyst data
Altman Z
0.2
Piotroski
4/9
PG
Analyst Ratings
29
Buy
22
Hold
1
Sell
Consensus: Buy
Price Target
$167.67
+15.9% upside vs current
Range: $150.00 — $179.00
Altman Z
5.3
Piotroski
4/9
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
PG buys
0
No recent congressional trades found for CZBC or PG in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBCPG
Forward yield1.47%2.92%
Annual dividend / share$0.20$4.23
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-31.3%31.1%
Portfolio after 10y$20.2K$51.4K
Annual income after 10y$3.52$9,955.44
Total dividends collected$318.00$29.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCZBC PortfolioCZBC Income/yrPG PortfolioPG Income/yrGap
1← crossover$10,801$100.73$11,003$382.92$202.00PG
2$11,627$69.86$12,205$520.11$578.00PG
3$12,489$48.28$13,674$712.22$1.2KPG
4$13,396$33.30$15,507$985.02$2.1KPG
5$14,357$22.93$17,847$1,378.96$3.5KPG
6$15,378$15.78$20,913$1,959.19$5.5KPG
7$16,465$10.85$25,044$2,834.00$8.6KPG
8$17,625$7.46$30,786$4,189.46$13.2KPG
9$18,864$5.13$39,052$6,357.54$20.2KPG
10$20,188$3.52$51,429$9,955.44$31.2KPG

CZBC vs PG: 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 →

PGConsumer Staples

The Procter & Gamble Company provides branded consumer packaged goods worldwide. It operates through five segments: Beauty; Grooming; Health Care; Fabric & Home Care; and Baby, Feminine & Family Care. The Beauty segment offers conditioners, shampoos, styling aids, and treatments under the Head & Shoulders, Herbal Essences, Pantene, and Rejoice brands; and antiperspirants and deodorants, personal cleansing, and skin care products under the Olay, Old Spice, Safeguard, Secret, and SK-II brands. The Grooming segment provides shave care products and appliances under the Braun, Gillette, and Venus brand names. The Health Care segment offers toothbrushes, toothpastes, and other oral care products under the Crest and Oral-B brand names; and gastrointestinal, rapid diagnostics, respiratory, vitamins/minerals/supplements, pain relief, and other personal health care products under the Metamucil, Neurobion, Pepto-Bismol, and Vicks brands. The Fabric & Home Care segment provides fabric enhancers, laundry additives, and laundry detergents under the Ariel, Downy, Gain, and Tide brands; and air care, dish care, P&G professional, and surface care products under the Cascade, Dawn, Fairy, Febreze, Mr. Clean, and Swiffer brands. The Baby, Feminine & Family Care segment offers baby wipes, taped diapers, and pants under the Luvs and Pampers brands; adult incontinence and feminine care products under the Always, Always Discreet, and Tampax brands; and paper towels, tissues, and toilet papers under the Bounty, Charmin, and Puffs brands. The company sells its products primarily through mass merchandisers, e-commerce, grocery stores, membership club stores, drug stores, department stores, distributors, wholesalers, specialty beauty stores, high-frequency stores, pharmacies, electronics stores, and professional channels, as well as directly to consumers. The Procter & Gamble Company was founded in 1837 and is headquartered in Cincinnati, Ohio.

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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.