HomeCompareCZBS vs ARCC

CZBS vs ARCC: Dividend Comparison 2026

CZBS yields 2.55% · ARCC yields 10.65%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CZBS wins by $64.1K in total portfolio value· pulled ahead in Year 3
10 years
CZBS
CZBS
● Live price
2.55%
Share price
$47.10
Annual div
$1.20
5Y div CAGR
42.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$88.6K
Annual income
$27,371.47
Full CZBS calculator →
ARCC
Ares Capital Corporation
● Live price
10.65%
Share price
$18.02
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.14
Full ARCC calculator →

Portfolio growth — CZBS vs ARCC

📍 CZBS 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 PeriodCZBSARCC
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, CZBS + ARCC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CZBS pays
ARCC pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CZBS
Annual income on $10K today (after 15% tax)
$216.56/yr
After 10yr DRIP, annual income (after tax)
$23,265.75/yr
ARCC
Annual income on $10K today (after 15% tax)
$905.66/yr
After 10yr DRIP, annual income (after tax)
$0.97/yr
At 15% tax rate, CZBS beats the other by $23,264.78/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CZBS + ARCC for your $10,000?

CZBS: 50%ARCC: 50%
100% ARCC50/50100% CZBS
Portfolio after 10yr
$56.5K
Annual income
$13,686.30/yr
Blended yield
24.21%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

CZBS
No analyst data
Altman Z
-0.9
Piotroski
5/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+21.4% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
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)

CZBS buys
0
ARCC buys
0
No recent congressional trades found for CZBS or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBSARCC
Forward yield2.55%10.65%
Annual dividend / share$1.20$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR42.5%-50%
Portfolio after 10y$88.6K$24.5K
Annual income after 10y$27,371.47$1.14
Total dividends collected$62.2K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC

Year-by-year: CZBS vs ARCC ($10,000, DRIP)

YearCZBS PortfolioCZBS Income/yrARCC PortfolioARCC Income/yrGap
1$11,063$363.06$11,373$532.74$310.00ARCC
2$12,372$534.91$12,608$279.46$236.00ARCC
3← crossover$14,035$796.69$13,809$142.90+$226.00CZBS
4$16,221$1,203.61$15,042$72.20+$1.2KCZBS
5$19,209$1,852.60$16,341$36.27+$2.9KCZBS
6$23,476$2,921.74$17,732$18.18+$5.7KCZBS
7$29,874$4,755.32$19,231$9.10+$10.6KCZBS
8$40,025$8,059.18$20,851$4.55+$19.2KCZBS
9$57,206$14,379.77$22,605$2.28+$34.6KCZBS
10$88,582$27,371.47$24,504$1.14+$64.1KCZBS

CZBS vs ARCC: Complete Analysis 2026

CZBSStock

Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers. The company offers checking and savings accounts; and demand and money market deposits. Its loan products include commercial, financial, and agricultural loans; loans secured by personal property, such as automobiles, marketable securities, and other titled recreational vehicles and motorcycles, as well as unsecured consumer debt; commercial real estate loans; single-family residential loans; and construction and development loans. The company also offers investment accounts and certificate of deposit account registry services. In addition, it provides merchant services, which include point of sale terminal, credit and debit card processing, electronic benefits transfer, gift card, and Internet shopping cart services; cash management services; and credit cards. Further, the company offers online and mobile banking, and check reorder services. It operates five full-service branches in metropolitan Atlanta; one full-service branch in Birmingham, Alabama; and one full-service branch in Eutaw, Alabama. The company was founded in 1921 and is headquartered in Atlanta, Georgia.

Full CZBS Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.