HomeCompareHCBN vs CL

HCBN vs CL: Dividend Comparison 2026

HCBN yields 2.09% · CL yields 2.43%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HCBN wins by $420.0K in total portfolio value
10 years
HCBN
HCBN
● Live price
2.09%
Share price
$67.03
Annual div
$1.40
5Y div CAGR
64.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$460.8K
Annual income
$279,403.47
Full HCBN 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 — HCBN vs CL

📍 HCBN 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 PeriodHCBNCL
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, HCBN + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HCBN
Annual income on $10K today (after 15% tax)
$177.53/yr
After 10yr DRIP, annual income (after tax)
$237,492.95/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, HCBN beats the other by $232,901.28/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HCBN: 50%CL: 50%
100% CL50/50100% HCBN
Portfolio after 10yr
$250.8K
Annual income
$142,402.71/yr
Blended yield
56.78%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

HCBN
No analyst data
Altman Z
0.0
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)

HCBN buys
0
CL buys
0
No recent congressional trades found for HCBN or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHCBNCL
Forward yield2.09%2.43%
Annual dividend / share$1.40$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR64.5%28.6%
Portfolio after 10y$460.8K$40.8K
Annual income after 10y$279,403.47$5,401.96
Total dividends collected$422.1K$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHCBN PortfolioHCBN Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,044$343.58$11,012$312.01+$32.00HCBN
2$12,400$583.33$12,196$412.95+$204.00HCBN
3$14,275$1,006.95$13,599$549.66+$676.00HCBN
4$17,056$1,782.15$15,288$736.64+$1.8KHCBN
5$21,524$3,273.69$17,353$995.28+$4.2KHCBN
6$29,382$6,351.22$19,926$1,357.80+$9.5KHCBN
7$44,768$13,328.97$23,194$1,873.82+$21.6KHCBN
8$79,123$31,222.15$27,439$2,621.52+$51.7KHCBN
9$169,499$84,837.27$33,088$3,727.38+$136.4KHCBN
10$460,768$279,403.47$40,806$5,401.96+$420.0KHCBN

HCBN vs CL: Complete Analysis 2026

HCBNStock

HCB Financial Corp. operates as the bank holding company for Highpoint Community Bank that provides various banking products and services in Michigan. The company offers various personal banking services, including checking and savings accounts; mortgage, home equity, and personal loans; and overdraft services. It also provides business banking services comprising business checking and savings accounts; business loan services, such as real estate lending, lines of credit, and term loans; small business administration loans; other services consisting of sweep and courier banking services, merchant credit card services, night depository services, wire services, health savings accounts, and business mentoring; and overdraft and digital services. In addition, the company offers trust and investment services; electronic banking services, including mobile, telephone, and online banking, mobile deposit, eStatements, and bill pay services; and debit and ATM, credit, gift, and reloadable cards. Further, it provides wealth management services, including investment management, personal trust administration, estate administration, individual retirement account, asset protection and risk management, investment and retirement planning, financial planning, and asset accumulation. Additionally, the company offers insurance services, which include life, health, and disability insurance, and education planning; and annuities, bonds, IRAs, mutual funds, and stocks products. The company operates seven full-service banking offices in Barry County. HCB Financial Corp. was founded in 1886 and is headquartered in Hastings, Michigan.

Full HCBN Calculator →

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.