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CZNB vs O: Dividend Comparison 2026

CZNB yields 2000000.00% · O yields 5.28%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CZNB wins by $1.6088281902868016e+32M in total portfolio value
10 years
CZNB
CZNB
● Live price
2000000.00%
Share price
$0.00
Annual div
$2.00
5Y div CAGR
-26.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.6088281902868016e+32M
Annual income
$160,520,438,920,596,040,000,000,000,000,000,000,000.00
Full CZNB calculator →
O
Realty Income Corporation
● Live price
5.28%
Share price
$61.15
Annual div
$3.23
5Y div CAGR
15.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.2K
Annual income
$5,102.74
Full O calculator →

Portfolio growth — CZNB vs O

📍 CZNB 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 PeriodCZNBO
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, CZNB + O cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CZNB
Annual income on $10K today (after 15% tax)
$170,000,000.00/yr
After 10yr DRIP, annual income (after tax)
$136,442,373,082,506,640,000,000,000,000,000,000,000.00/yr
O
Annual income on $10K today (after 15% tax)
$449.12/yr
After 10yr DRIP, annual income (after tax)
$4,337.33/yr
At 15% tax rate, CZNB beats the other by $136,442,373,082,506,640,000,000,000,000,000,000,000.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZNB: 50%O: 50%
100% O50/50100% CZNB
Portfolio after 10yr
$8.044140951434008e+31M
Annual income
$80,260,219,460,298,020,000,000,000,000,000,000,000.00/yr
Blended yield
99.77%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on O right now

CZNB
No analyst data
O
Analyst Ratings
13
Buy
18
Hold
3
Sell
Consensus: Hold
Price Target
$64.00
+4.7% 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)

CZNB buys
0
O buys
0
No recent congressional trades found for CZNB or O in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZNBO
Forward yield2000000.00% ✓5.28%
Annual dividend / share$2.00$3.23 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-26.9%15.1% ✓
Portfolio after 10y$1.6088281902868016e+32M$34.2K ✓
Annual income after 10y$160,520,438,920,596,040,000,000,000,000,000,000,000.00 ✓$5,102.74
Total dividends collected$1.6085907776646741e+32M$20.7K ✓
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearCZNB PortfolioCZNB Income/yrO PortfolioO Income/yrGap
1← crossover$146,210,700$146,200,000.00$10,818$608.16+$146.20M → CZNB
2$1,460,517,115,780$1,460,360,670,330.84$11,787$741.68+$1460517.10M → CZNB
3$9,967,570,536,270,028$9,966,007,782,956,144.00$12,946$911.00+$9967570536.26M → CZNB
4$46,476,900,685,019,410,000$46,466,235,384,545,600,000.00$14,345$1,127.94+$46476900685019.39M → CZNB
5$148,069,229,004,952,620,000,000$148,019,498,721,219,650,000,000.00$16,056$1,409.05+$148069229004952608.00M → CZNB
6$322,324,789,449,701,950,000,000,000$322,166,355,374,666,700,000,000,000.00$18,171$1,777.83+$322324789449701982208.00M → CZNB
7$479,463,095,715,790,140,000,000,000,000$479,118,208,191,078,900,000,000,000,000.00$20,820$2,268.21+$4.794630957157902e+23M → CZNB
8$487,410,758,732,831,160,000,000,000,000,000$486,897,733,220,415,300,000,000,000,000,000.00$24,188$2,929.90+$4.8741075873283114e+26M → CZNB
9$338,672,998,209,461,400,000,000,000,000,000,000$338,151,468,697,617,300,000,000,000,000,000,000.00$28,533$3,837.11+$3.3867299820946145e+29M → CZNB
10$160,882,819,028,680,150,000,000,000,000,000,000,000$160,520,438,920,596,040,000,000,000,000,000,000,000.00$34,235$5,102.74+$1.6088281902868016e+32M → CZNB

CZNB vs O: Complete Analysis 2026

CZNB — Stock

Citizens Bancorp was founded in 1995 and is based in Nevada City, California.

Full CZNB Calculator →

O — REIT

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.