HomeCompareHTLFP vs CL

HTLFP vs CL: Dividend Comparison 2026

HTLFP yields 6.99% · CL yields 2.43%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HTLFP wins by $44135.26M in total portfolio value
10 years
HTLFP
HTLFP
● Live price
6.99%
Share price
$25.05
Annual div
$1.75
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44135.30M
Annual income
$42,954,134,401.51
Full HTLFP 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 — HTLFP vs CL

📍 HTLFP 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 PeriodHTLFPCL
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, HTLFP + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HTLFP
Annual income on $10K today (after 15% tax)
$593.81/yr
After 10yr DRIP, annual income (after tax)
$36,511,014,241.28/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, HTLFP beats the other by $36,511,009,649.62/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HTLFP: 50%CL: 50%
100% CL50/50100% HTLFP
Portfolio after 10yr
$22067.67M
Annual income
$21,477,069,901.73/yr
Blended yield
97.32%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

HTLFP
Analyst Ratings
1
Strong
3
Buy
4
Hold
Consensus: Hold
Altman Z
0.7
Piotroski
7/9
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)

HTLFP buys
0
CL buys
0
No recent congressional trades found for HTLFP or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHTLFPCL
Forward yield6.99%2.43%
Annual dividend / share$1.75$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%28.6%
Portfolio after 10y$44135.30M$40.8K
Annual income after 10y$42,954,134,401.51$5,401.96
Total dividends collected$44054.14M$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

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

YearHTLFP PortfolioHTLFP Income/yrCL PortfolioCL Income/yrGap
1← crossover$12,097$1,397.21$11,012$312.01+$1.1KHTLFP
2$16,103$3,159.31$12,196$412.95+$3.9KHTLFP
3$25,091$7,860.82$13,599$549.66+$11.5KHTLFP
4$49,742$22,894.09$15,288$736.64+$34.5KHTLFP
5$138,057$84,833.46$17,353$995.28+$120.7KHTLFP
6$587,820$440,099.22$19,926$1,357.80+$567.9KHTLFP
7$4,131,502$3,502,533.73$23,194$1,873.82+$4.11MHTLFP
8$50,434,895$46,014,188.67$27,439$2,621.52+$50.41MHTLFP
9$1,103,897,363$1,049,932,024.49$33,088$3,727.38+$1103.86MHTLFP
10$44,135,304,579$42,954,134,401.51$40,806$5,401.96+$44135.26MHTLFP

HTLFP vs CL: Complete Analysis 2026

HTLFPStock

Heartland Financial USA, Inc., a multi-bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. It accepts various deposit products, including checking and other demand deposit accounts; NOW, savings, money market, individual retirement, and health savings accounts; certificates of deposit; and other time deposits. The company also offers commercial and industrial loans; commercial real estate loans; real estate mortgage loans; small business loans; agricultural loans; consumer loans comprising motor vehicle and home improvement loans, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, it provides online banking, mobile banking, telephone banking, bill payment, automated clearing house, wire transfer, zero balance account, transaction reporting, lock box, remote deposit capture, accounts receivable, investment sweep account, reconciliation, treasury management, wealth management, trust, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, as well as commercial purchasing and merchant credit cards, debit cards, and automated teller machines. Further, the company offers investment services, such as mutual funds, annuities, retirement products, education savings products, and brokerage services, as well as vehicle, property and casualty, and life and disability insurance products. Additionally, it is involved in the community development, consumer finance, multi-line insurance agency, and property management businesses. The company operates through 129 banking locations in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa.

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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.

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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.