HomeCompareCZBS vs YUM

CZBS vs YUM: Dividend Comparison 2026

CZBS yields 2.55% · YUM yields 1.85%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 YUM wins by $18.4K in total portfolio value· pulled ahead in Year 8
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 →
YUM
YUM
● Live price
1.85%
Share price
$155.48
Annual div
$2.88
5Y div CAGR
51.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$107.0K
Annual income
$39,957.33
Full YUM calculator →

Portfolio growth — CZBS vs YUM

📍 YUM pulled ahead of the other in Year 8

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 PeriodCZBSYUM
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 + YUM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CZBS pays
YUM 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
YUM
Annual income on $10K today (after 15% tax)
$157.45/yr
After 10yr DRIP, annual income (after tax)
$33,963.73/yr
At 15% tax rate, YUM beats the other by $10,697.98/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZBS: 50%YUM: 50%
100% YUM50/50100% CZBS
Portfolio after 10yr
$97.8K
Annual income
$33,664.39/yr
Blended yield
34.42%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on YUM right now

CZBS
No analyst data
Altman Z
-0.9
Piotroski
5/9
YUM
Analyst Ratings
18
Buy
30
Hold
3
Sell
Consensus: Hold
Price Target
$173.15
+11.4% upside vs current
Range: $158.00 — $190.00
Altman Z
2.6
Piotroski
6/9
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
YUM buys
7
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$YUM▲ Buy$1,001 - $15,0002025-09-05
Lisa McClain🏢 House$YUM▲ Buy$1,001 - $15,0002025-06-24
Gilbert Cisneros🏢 House$YUM▼ Sell$1,001 - $15,0002025-05-30
Gilbert Cisneros🏢 House$YUM▼ Sell$1,001 - $15,0002025-05-30
Rob Bresnahan🏢 House$YUM▼ Sell$1,001 - $15,0002025-05-15
James E Hon Banks🏛 Senate$YUM▼ Sell$1,001 - $15,0002025-02-18
James E Hon Banks🏛 Senate$YUM▼ Sell$1,001 - $15,0002025-02-18
James E Hon Banks🏛 Senate$YUM▼ Sell$1,001 - $15,0002025-02-18
James E Hon Banks🏢 House$YUM▼ Sell$1,001 - $15,0002025-02-18
James E Hon Banks🏢 House$YUM▲ Buy$1,001 - $15,0002024-08-08
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBSYUM
Forward yield2.55%1.85%
Annual dividend / share$1.20$2.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR42.5%51.4%
Portfolio after 10y$88.6K$107.0K
Annual income after 10y$27,371.47$39,957.33
Total dividends collected$62.2K$80.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary

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

YearCZBS PortfolioCZBS Income/yrYUM PortfolioYUM Income/yrGap
1$11,063$363.06$10,980$280.44+$83.00CZBS
2$12,372$534.91$12,185$435.72+$187.00CZBS
3$14,035$796.69$13,722$684.14+$313.00CZBS
4$16,221$1,203.61$15,773$1,090.14+$448.00CZBS
5$19,209$1,852.60$18,650$1,773.02+$559.00CZBS
6$23,476$2,921.74$22,921$2,966.37+$555.00CZBS
7$29,874$4,755.32$29,685$5,158.69+$189.00CZBS
8← crossover$40,025$8,059.18$41,216$9,453.02$1.2KYUM
9$57,206$14,379.77$62,672$18,571.31$5.5KYUM
10$88,582$27,371.47$107,016$39,957.33$18.4KYUM

CZBS vs YUM: 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 →

YUMConsumer Discretionary

YUM! Brands, Inc., together with its subsidiaries, develops, operates, and franchises quick service restaurants worldwide. It operates through four segments: the KFC Division, the Taco Bell Division, the Pizza Hut Division, and the Habit Burger Grill Division. The company operates restaurants under the KFC, Pizza Hut, Taco Bell, and The Habit Burger Grill brands, which specialize in chicken, pizza, made-to-order chargrilled burgers, sandwiches, Mexican-style food categories, and other food products. As of December 31, 2021, it had 26,934 KFC units; 18,381 Pizza Hut units; 7,791 Taco Bell units; and 318 The Habit Burger Grill units in approximately 157 countries and territories. The company was formerly known as TRICON Global Restaurants, Inc. and changed its name to YUM! Brands, Inc. in May 2002. YUM! Brands, Inc. was incorporated in 1997 and is headquartered in Louisville, Kentucky.

Full YUM 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.