Is CZNL or HDV a better dividend investment in 2026?

CZNL currently yields 1.89% with a 5% 5-year dividend growth rate. HDV yields 2.92% with 4.8% growth. The better choice depends on your goal: HDV offers higher current income.

What is the dividend yield difference between CZNL and HDV?

CZNL has a forward dividend yield of 1.89% ($1.00/share annually). HDV yields 2.92% ($3.96/share annually). The yield gap is 1.03 percentage points.

Home › Compare › CZNL vs HDV

CZNL vs HDV: Dividend Comparison 2026

CZNL yields 1.89% · HDV yields 2.92%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 CZNL wins by $1.3K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

CZNL

● Live price

1.89%

Share price

$53.00

Annual div

$1.00

5Y div CAGR

13.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.6K

Annual income

$857.35

Full CZNL calculator →

HDV

iShares Core High Dividend ETF

● Live price

2.92%

Share price

$135.72

Annual div

$3.96

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.3K

Annual income

$351.71

Full HDV calculator →

Portfolio growth — CZNL vs HDV

📍 CZNL pulled ahead of the other in Year 7

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 Period	CZNL	HDV
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, CZNL + HDV cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

CZNL pays

HDV pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CZNL

Annual income on $10K today (after 15% tax)

$160.38/yr

After 10yr DRIP, annual income (after tax)

$728.75/yr

HDV

Annual income on $10K today (after 15% tax)

$247.92/yr

After 10yr DRIP, annual income (after tax)

$298.95/yr

At 15% tax rate, CZNL beats the other by $429.79/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of CZNL + HDV for your $10,000?

CZNL: 50%HDV: 50%

100% HDV50/50100% CZNL

Portfolio after 10yr

$25.0K

Annual income

$604.54/yr

Blended yield

2.42%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CZNL buys

HDV buys

No recent congressional trades found for CZNL or HDV in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCZNLHDV

Forward yield	1.89%	2.92% ✓
Annual dividend / share	$1.00	$3.96 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	13.7% ✓	0%
Portfolio after 10y	$25.6K ✓	$24.3K
Annual income after 10y	$857.35 ✓	$351.71
Total dividends collected	$4.7K ✓	$3.2K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CZNL vs HDV ($10,000, DRIP)

Year	CZNL Portfolio	CZNL Income/yr	HDV Portfolio	HDV Income/yr	Gap
1	$10,915	$214.53	$11,002	$291.67	$87.00 → HDV
2	$11,927	$248.81	$12,082	$299.61	$155.00 → HDV
3	$13,051	$288.92	$13,247	$307.23	$196.00 → HDV
4	$14,301	$335.94	$14,503	$314.52	$202.00 → HDV
5	$15,693	$391.16	$15,854	$321.50	$161.00 → HDV
6	$17,248	$456.11	$17,308	$328.15	$60.00 → HDV
7← crossover	$18,988	$532.69	$18,871	$334.49	+$117.00 → CZNL
8	$20,940	$623.15	$20,551	$340.53	+$389.00 → CZNL
9	$23,136	$730.25	$22,357	$346.27	+$779.00 → CZNL
10	$25,613	$857.35	$24,296	$351.71	+$1.3K → CZNL

CZNL vs HDV: Complete Analysis 2026

CZNL — Stock

Citizens National Corporation operates as the bank holding company for Citizens Bank of Kentucky that provides various banking products and services in the United States. It offers checking and savings accounts, IRAs, and certificates of deposit; consumer, home equity, mortgage/real estate, and business loans; healthcare, online, and mobile banking services; cash management services; remote deposit capture services; and debit and credit cards. The company was founded in 1909 and is based in Paintsville, Kentucky.

Full CZNL Calculator →

HDV — ETF

The iShares Core High Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full HDV 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.