HomeCompareCZBS vs PEP

CZBS vs PEP: Dividend Comparison 2026

CZBS yields 2.55% · PEP yields 3.66%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PEP wins by $56.1K in total portfolio value· pulled ahead in Year 6
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 →
PEP
PepsiCo Inc.
● Live price
3.66%
Share price
$155.29
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$144.7K
Annual income
$63,430.49
Full PEP calculator →

Portfolio growth — CZBS vs PEP

📍 PEP pulled ahead of the other in Year 6

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 PeriodCZBSPEP
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, CZBS + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CZBS pays
PEP 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
PEP
Annual income on $10K today (after 15% tax)
$311.45/yr
After 10yr DRIP, annual income (after tax)
$53,915.92/yr
At 15% tax rate, PEP beats the other by $30,650.17/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZBS: 50%PEP: 50%
100% PEP50/50100% CZBS
Portfolio after 10yr
$116.6K
Annual income
$45,400.98/yr
Blended yield
38.93%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

CZBS
No analyst data
Altman Z
-0.9
Piotroski
5/9
PEP
Analyst Ratings
1
Strong
15
Buy
28
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+11.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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)

CZBS buys
0
PEP buys
0
No recent congressional trades found for CZBS or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBSPEP
Forward yield2.55%3.66%
Annual dividend / share$1.20$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR42.5%40.4%
Portfolio after 10y$88.6K$144.7K
Annual income after 10y$27,371.47$63,430.49
Total dividends collected$62.2K$125.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCZBS PortfolioCZBS Income/yrPEP PortfolioPEP Income/yrGap
1$11,063$363.06$10,854$514.44+$209.00CZBS
2$12,372$534.91$11,982$758.21+$390.00CZBS
3$14,035$796.69$13,526$1,136.44+$509.00CZBS
4$16,221$1,203.61$15,727$1,741.93+$494.00CZBS
5$19,209$1,852.60$19,012$2,750.28+$197.00CZBS
6← crossover$23,476$2,921.74$24,173$4,514.44$697.00PEP
7$29,874$4,755.32$32,789$7,793.80$2.9KPEP
8$40,025$8,059.18$48,258$14,354.51$8.2KPEP
9$57,206$14,379.77$78,586$28,686.63$21.4KPEP
10$88,582$27,371.47$144,688$63,430.49$56.1KPEP

CZBS vs PEP: 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 →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.