HomeCompareCZNB vs PEP

CZNB vs PEP: Dividend Comparison 2026

CZNB yields 2000000.00% · PEP yields 3.66%● 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 →
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 — CZNB vs PEP

📍 CZNB pulled ahead of the other in Year 1

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 PeriodCZNBPEP
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 + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CZNB pays
PEP 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
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, 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 + PEP for your $10,000?

CZNB: 50%PEP: 50%
100% PEP50/50100% 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 PEP right now

CZNB
No analyst data
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)

CZNB buys
0
PEP buys
0
No recent congressional trades found for CZNB or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZNBPEP
Forward yield2000000.00%3.66%
Annual dividend / share$2.00$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-26.9%40.4%
Portfolio after 10y$1.6088281902868016e+32M$144.7K
Annual income after 10y$160,520,438,920,596,040,000,000,000,000,000,000,000.00$63,430.49
Total dividends collected$1.6085907776646741e+32M$125.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCZNB PortfolioCZNB Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$146,210,700$146,200,000.00$10,854$514.44+$146.20MCZNB
2$1,460,517,115,780$1,460,360,670,330.84$11,982$758.21+$1460517.10MCZNB
3$9,967,570,536,270,028$9,966,007,782,956,144.00$13,526$1,136.44+$9967570536.26MCZNB
4$46,476,900,685,019,410,000$46,466,235,384,545,600,000.00$15,727$1,741.93+$46476900685019.39MCZNB
5$148,069,229,004,952,620,000,000$148,019,498,721,219,650,000,000.00$19,012$2,750.28+$148069229004952608.00MCZNB
6$322,324,789,449,701,950,000,000,000$322,166,355,374,666,700,000,000,000.00$24,173$4,514.44+$322324789449701982208.00MCZNB
7$479,463,095,715,790,140,000,000,000,000$479,118,208,191,078,900,000,000,000,000.00$32,789$7,793.80+$4.794630957157902e+23MCZNB
8$487,410,758,732,831,160,000,000,000,000,000$486,897,733,220,415,300,000,000,000,000,000.00$48,258$14,354.51+$4.8741075873283114e+26MCZNB
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$78,586$28,686.63+$3.3867299820946145e+29MCZNB
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$144,688$63,430.49+$1.6088281902868016e+32MCZNB

CZNB vs PEP: Complete Analysis 2026

CZNBStock

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

Full CZNB 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 →
📬

Get this CZNB vs PEP comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CZNB vs SCHDCZNB vs JEPICZNB vs OCZNB vs KOCZNB vs MAINCZNB vs MOCZNB vs PMCZNB vs GIS

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