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EVBN vs CL: Dividend Comparison 2026

EVBN yields 3.34% · CL yields 2.43%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EVBN wins by $12.6K in total portfolio value
10 years
EVBN
EVBN
● Live price
3.34%
Share price
$39.53
Annual div
$1.32
5Y div CAGR
28.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.4K
Annual income
$9,380.99
Full EVBN calculator →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — EVBN vs CL

📍 EVBN 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 PeriodEVBNCL
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, EVBN + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

EVBN
Annual income on $10K today (after 15% tax)
$283.84/yr
After 10yr DRIP, annual income (after tax)
$7,973.84/yr
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, EVBN beats the other by $3,382.18/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of EVBN + CL for your $10,000?

EVBN: 50%CL: 50%
100% CL50/50100% EVBN
Portfolio after 10yr
$47.1K
Annual income
$7,391.47/yr
Blended yield
15.70%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

EVBN
Analyst Ratings
1
Buy
3
Hold
Consensus: Hold
Altman Z
0.3
Piotroski
3/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
Piotroski
6/9
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)

EVBN buys
0
CL buys
0
No recent congressional trades found for EVBN or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEVBNCL
Forward yield3.34%2.43%
Annual dividend / share$1.32$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR28.8%28.6%
Portfolio after 10y$53.4K$40.8K
Annual income after 10y$9,380.99$5,401.96
Total dividends collected$29.0K$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

Year-by-year: EVBN vs CL ($10,000, DRIP)

YearEVBN PortfolioEVBN Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,130$430.09$11,012$312.01+$118.00EVBN
2$12,485$576.23$12,196$412.95+$289.00EVBN
3$14,137$778.09$13,599$549.66+$538.00EVBN
4$16,188$1,060.55$15,288$736.64+$900.00EVBN
5$18,783$1,461.76$17,353$995.28+$1.4KEVBN
6$22,139$2,041.64$19,926$1,357.80+$2.2KEVBN
7$26,585$2,896.76$23,194$1,873.82+$3.4KEVBN
8$32,634$4,187.28$27,439$2,621.52+$5.2KEVBN
9$41,105$6,187.09$33,088$3,727.38+$8.0KEVBN
10$53,364$9,380.99$40,806$5,401.96+$12.6KEVBN

EVBN vs CL: Complete Analysis 2026

EVBNStock

Evans Bancorp, Inc. primarily operates as the financial holding company for Evans Bank, N.A. that provides a range of banking products and services to consumer and commercial customers in Western New York and the Finger Lakes Region of New York State. It operates in two segments, Banking Activities and Insurance Agency Activities. The company offers deposit products, which include checking and negotiable order of withdrawal accounts, savings accounts, and certificates of deposit. It also provides residential mortgages; commercial and multi-family mortgages and commercial construction loans; home equities, such as home equity lines of credit and second mortgage loans; commercial and industrial loans comprising term loans and lines of credit; consumer loans, including direct automobile, recreational vehicle, boat, home improvement, and personal loans; other loans consisting of cash reserves, overdrafts, and loan clearing accounts; and installment loans. In addition, the company sells various premium-based insurance policies, including business and personal insurance, employee benefits, surety bonds, risk management, life, disability, and long-term care coverage, as well as provides claims adjusting services to various insurance companies; and non-deposit investment products, such as annuities and mutual funds. It operates through a total of 21 full-service banking offices in Erie County, Niagara County, Monroe County, and Chautauqua County, New York. Evans Bancorp, Inc. was founded in 1920 and is headquartered in Williamsville, New York.

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CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL 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.