HomeCompareCZBT vs O

CZBT vs O: Dividend Comparison 2026

CZBT yields 3.04% · O yields 5.28%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 O wins by $919.00 in total portfolio value· pulled ahead in Year 10
10 years
CZBT
CZBT
● Live price
3.04%
Share price
$37.50
Annual div
$1.14
5Y div CAGR
18%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$33.3K
Annual income
$2,491.80
Full CZBT calculator →
O
Realty Income Corporation
● Live price
5.28%
Share price
$61.18
Annual div
$3.23
5Y div CAGR
15.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.2K
Annual income
$5,098.20
Full O calculator →

Portfolio growth — CZBT vs O

📍 O pulled ahead of the other in Year 10

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 PeriodCZBTO
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, CZBT + O cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CZBT
Annual income on $10K today (after 15% tax)
$258.40/yr
After 10yr DRIP, annual income (after tax)
$2,118.03/yr
O
Annual income on $10K today (after 15% tax)
$448.90/yr
After 10yr DRIP, annual income (after tax)
$4,333.47/yr
At 15% tax rate, O beats the other by $2,215.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CZBT + O for your $10,000?

CZBT: 50%O: 50%
100% O50/50100% CZBT
Portfolio after 10yr
$33.8K
Annual income
$3,795.00/yr
Blended yield
11.24%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on O right now

CZBT
No analyst data
Altman Z
0.4
Piotroski
6/9
O
Analyst Ratings
13
Buy
18
Hold
3
Sell
Consensus: Hold
Price Target
$64.00
+4.6% upside vs current
Range: $60.00 — $69.00
Altman Z
1.0
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)

CZBT buys
0
O buys
0
No recent congressional trades found for CZBT or O in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBTO
Forward yield3.04%5.28%
Annual dividend / share$1.14$3.23
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR18%15.1%
Portfolio after 10y$33.3K$34.2K
Annual income after 10y$2,491.80$5,098.20
Total dividends collected$11.1K$20.7K
Payment frequencyquarterlymonthly
SectorStockREIT

Year-by-year: CZBT vs O ($10,000, DRIP)

YearCZBT PortfolioCZBT Income/yrO PortfolioO Income/yrGap
1$11,059$358.72$10,818$607.86+$241.00CZBT
2$12,270$437.48$11,786$741.30+$484.00CZBT
3$13,665$535.31$12,944$910.50+$721.00CZBT
4$15,278$657.42$14,343$1,127.28+$935.00CZBT
5$17,159$810.64$16,053$1,408.17+$1.1KCZBT
6$19,364$1,003.99$18,167$1,776.65+$1.2KCZBT
7$21,969$1,249.49$20,815$2,266.60+$1.2KCZBT
8$25,070$1,563.32$24,179$2,927.66+$891.00CZBT
9$28,792$1,967.40$28,521$3,833.95+$271.00CZBT
10← crossover$33,299$2,491.80$34,218$5,098.20$919.00O

CZBT vs O: Complete Analysis 2026

CZBTStock

Citizens Bancorp of Virginia, Inc. operates as the bank holding company for Citizens Bank and Trust Company that provides commercial banking products and services to businesses and individuals in the United States. It accepts checking and savings, certificates of deposit, and individual retirement accounts, as well as provides credit cards. The company also provides commercial loans, such as commercial real estate mortgages and construction loans, small business working capital loans, small business lines of credit, SBA guaranteed loans, and investment property loans. In addition, it offers consumer loans, including automobile, signature, boat, and personal property loans; and real estate loans comprising home equity lines of credit, fixed rate mortgages, adjustable rate mortgages, conventional and jumbo loan programs, first-time home buyer programs, home improvement loans, bridge loans, new home construction loans, and commercial construction loans, as well as second homes/vacation properties, investment, commercial, industrial, and apartment loans. Further, the company provides merchant services; and investment and brokerage services. It operates in Virginia counties of Nottoway, Amelia, Prince Edward, Brunswick, Buckingham, Charlotte, Chesterfield, Cumberland, Dinwiddie, Lunenburg, Mecklenburg, and Powhatan; and the cities of Colonial Heights, Richmond, and Petersburg. The company was founded in 1873 and is headquartered in Blackstone, Virginia.

Full CZBT Calculator →

OREIT

Realty Income, The Monthly Dividend Company, is an S&P 500 company dedicated to providing stockholders with dependable monthly income. The company is structured as a REIT, and its monthly dividends are supported by the cash flow from over 6,500 real estate properties owned under long-term lease agreements with our commercial clients. To date, the company has declared 608 consecutive common stock monthly dividends throughout its 52-year operating history and increased the dividend 109 times since Realty Income's public listing in 1994 (NYSE: O). The company is a member of the S&P 500 Dividend Aristocrats index. Additional information about the company can be obtained from the corporate website at www.realtyincome.com.

Full O 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.