HomeCompareCZBS vs MAIN

CZBS vs MAIN: Dividend Comparison 2026

CZBS yields 2.55% · MAIN yields 6.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MAIN wins by $42.80M in total portfolio value
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 →
MAIN
Main Street Capital Corporation
● Live price
6.91%
Share price
$52.96
Annual div
$3.66
5Y div CAGR
72.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$42.89M
Annual income
$35,818,348.00
Full MAIN calculator →

Portfolio growth — CZBS vs MAIN

📍 MAIN 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 PeriodCZBSMAIN
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 + MAIN cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CZBS pays
MAIN 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
MAIN
Annual income on $10K today (after 15% tax)
$587.42/yr
After 10yr DRIP, annual income (after tax)
$30,445,595.80/yr
At 15% tax rate, MAIN beats the other by $30,422,330.05/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZBS: 50%MAIN: 50%
100% MAIN50/50100% CZBS
Portfolio after 10yr
$21.49M
Annual income
$17,922,859.73/yr
Blended yield
83.41%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MAIN right now

CZBS
No analyst data
Altman Z
-0.9
Piotroski
5/9
MAIN
Analyst Ratings
2
Buy
11
Hold
Consensus: Hold
Price Target
$65.25
+23.2% upside vs current
Range: $60.00 — $70.00
Altman Z
1.7
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)

CZBS buys
0
MAIN buys
0
No recent congressional trades found for CZBS or MAIN in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBSMAIN
Forward yield2.55%6.91%
Annual dividend / share$1.20$3.66
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR42.5%72.7%
Portfolio after 10y$88.6K$42.89M
Annual income after 10y$27,371.47$35,818,348.00
Total dividends collected$62.2K$41.85M
Payment frequencyquarterlymonthly
SectorStockBDC

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

YearCZBS PortfolioCZBS Income/yrMAIN PortfolioMAIN Income/yrGap
1← crossover$11,063$363.06$12,434$1,193.51$1.4KMAIN
2$12,372$534.91$16,255$2,280.05$3.9KMAIN
3$14,035$796.69$22,851$4,580.08$8.8KMAIN
4$16,221$1,203.61$35,577$9,892.59$19.4KMAIN
5$19,209$1,852.60$63,653$23,664.70$44.4KMAIN
6$23,476$2,921.74$136,601$65,054.52$113.1KMAIN
7$29,874$4,755.32$368,044$214,504.02$338.2KMAIN
8$40,025$8,059.18$1,301,668$887,987.40$1.26MMAIN
9$57,206$14,379.77$6,288,483$4,825,407.47$6.23MMAIN
10$88,582$27,371.47$42,886,603$35,818,348.00$42.80MMAIN

CZBS vs MAIN: 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 →

MAINBDC

Main Street Capital Corporation is a business development company specializes in equity capital to lower middle market companies. The firm specializing in recapitalizations, management buyouts, refinancing, family estate planning, management buyouts, refinancing, industry consolidation, mature, later stage emerging growth. The firm also provides debt capital to middle market companies for acquisitions, management buyouts, growth financings, recapitalizations and refinancing. The firm seeks to partner with entrepreneurs, business owners and management teams and generally provides one stop financing alternatives within its lower middle market portfolio. It prefers to invest in air freight and logistics, auto components, building products, chemicals, commercial services, computers, construction and engineering, consumer finance, consumer services, electronic equipment, energy equipment and services, financial services, health care equipment, health care providers, hotels, restaurants, and leisure, internet software and services, IT Services, machinery, oil, gas and consumable fuels, paper and forest products, professional and industrial services, road and rail, software, specialty retail, telecommunication, consumer discretionary, energy, materials, technology, and transportation. The firm typically invests in lower middle market companies generally with annual revenues between $5 million and $300 million. It prefers to invest in ranging between $2 million and $75 million in equity investment and enterprise value in ranging between $3 million and $20 million. The firm typically prefers to invest in the range of $5 million and $50 million per transaction in debt investment value and in the range of $1 million and $20 million in annual EBITDA. The firm's middle market debt investments are made in businesses that are generally larger in size than its lower middle market portfolio companies. It takes 5 percent minority and up to 50 percent majority equity investments. Main Street Capital Corporation was founded in 2007 and is based in Houston, Texas with an additional office in Chojnów, Poland.

Full MAIN 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.