HomeCompareCZBT vs PG

CZBT vs PG: Dividend Comparison 2026

CZBT yields 3.04% · PG yields 2.93%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PG wins by $18.2K in total portfolio value· pulled ahead in Year 3
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 →
PG
Procter & Gamble
● Live price
2.93%
Share price
$144.42
Annual div
$4.23
5Y div CAGR
31.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$51.5K
Annual income
$9,992.83
Full PG calculator →

Portfolio growth — CZBT vs PG

📍 PG pulled ahead of the other in Year 3

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodCZBTPG
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 + PG cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CZBT pays
PG 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
PG
Annual income on $10K today (after 15% tax)
$248.80/yr
After 10yr DRIP, annual income (after tax)
$8,493.91/yr
At 15% tax rate, PG beats the other by $6,375.88/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZBT: 50%PG: 50%
100% PG50/50100% CZBT
Portfolio after 10yr
$42.4K
Annual income
$6,242.31/yr
Blended yield
14.72%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PG right now

CZBT
No analyst data
Altman Z
0.4
Piotroski
6/9
PG
Analyst Ratings
29
Buy
22
Hold
1
Sell
Consensus: Buy
Price Target
$167.67
+16.1% upside vs current
Range: $150.00 — $179.00
Altman Z
5.3
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)

CZBT buys
0
PG buys
0
No recent congressional trades found for CZBT or PG in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBTPG
Forward yield3.04%2.93%
Annual dividend / share$1.14$4.23
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR18%31.1%
Portfolio after 10y$33.3K$51.5K
Annual income after 10y$2,491.80$9,992.83
Total dividends collected$11.1K$29.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCZBT PortfolioCZBT Income/yrPG PortfolioPG Income/yrGap
1$11,059$358.72$11,004$383.73+$55.00CZBT
2$12,270$437.48$12,207$521.25+$63.00CZBT
3← crossover$13,665$535.31$13,678$713.84$13.00PG
4$15,278$657.42$15,513$987.38$235.00PG
5$17,159$810.64$17,858$1,382.44$699.00PG
6$19,364$1,003.99$20,929$1,964.45$1.6KPG
7$21,969$1,249.49$25,069$2,842.17$3.1KPG
8$25,070$1,563.32$30,826$4,202.54$5.8KPG
9$28,792$1,967.40$39,116$6,379.22$10.3KPG
10$33,299$2,491.80$51,534$9,992.83$18.2KPG

CZBT vs PG: 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 →

PGConsumer Staples

The Procter & Gamble Company provides branded consumer packaged goods worldwide. It operates through five segments: Beauty; Grooming; Health Care; Fabric & Home Care; and Baby, Feminine & Family Care. The Beauty segment offers conditioners, shampoos, styling aids, and treatments under the Head & Shoulders, Herbal Essences, Pantene, and Rejoice brands; and antiperspirants and deodorants, personal cleansing, and skin care products under the Olay, Old Spice, Safeguard, Secret, and SK-II brands. The Grooming segment provides shave care products and appliances under the Braun, Gillette, and Venus brand names. The Health Care segment offers toothbrushes, toothpastes, and other oral care products under the Crest and Oral-B brand names; and gastrointestinal, rapid diagnostics, respiratory, vitamins/minerals/supplements, pain relief, and other personal health care products under the Metamucil, Neurobion, Pepto-Bismol, and Vicks brands. The Fabric & Home Care segment provides fabric enhancers, laundry additives, and laundry detergents under the Ariel, Downy, Gain, and Tide brands; and air care, dish care, P&G professional, and surface care products under the Cascade, Dawn, Fairy, Febreze, Mr. Clean, and Swiffer brands. The Baby, Feminine & Family Care segment offers baby wipes, taped diapers, and pants under the Luvs and Pampers brands; adult incontinence and feminine care products under the Always, Always Discreet, and Tampax brands; and paper towels, tissues, and toilet papers under the Bounty, Charmin, and Puffs brands. The company sells its products primarily through mass merchandisers, e-commerce, grocery stores, membership club stores, drug stores, department stores, distributors, wholesalers, specialty beauty stores, high-frequency stores, pharmacies, electronics stores, and professional channels, as well as directly to consumers. The Procter & Gamble Company was founded in 1837 and is headquartered in Cincinnati, Ohio.

Full PG Calculator →
📬

Get this CZBT vs PG comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CZBT vs SCHDCZBT vs JEPICZBT vs OCZBT vs KOCZBT vs MAINCZBT vs KMBCZBT vs CLCZBT vs CHD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.