HomeCompareHTLFP vs GIS

HTLFP vs GIS: Dividend Comparison 2026

HTLFP yields 6.99% · GIS yields 6.55%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HTLFP wins by $44135.23M 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 →
GIS
GIS
● Live price
6.55%
Share price
$37.11
Annual div
$2.43
5Y div CAGR
22.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$79.2K
Annual income
$16,311.42
Full GIS calculator →

Portfolio growth — HTLFP vs GIS

📍 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 PeriodHTLFPGIS
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, HTLFP + GIS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HTLFP pays
GIS 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
GIS
Annual income on $10K today (after 15% tax)
$556.59/yr
After 10yr DRIP, annual income (after tax)
$13,864.71/yr
At 15% tax rate, HTLFP beats the other by $36,511,000,376.58/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HTLFP: 50%GIS: 50%
100% GIS50/50100% HTLFP
Portfolio after 10yr
$22067.69M
Annual income
$21,477,075,356.46/yr
Blended yield
97.32%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on HTLFP right now

HTLFP
Analyst Ratings
1
Strong
3
Buy
4
Hold
Consensus: Hold
Altman Z
0.7
Piotroski
7/9
GIS
Analyst Ratings
9
Buy
19
Hold
6
Sell
Consensus: Hold
Price Target
$47.42
+27.8% upside vs current
Range: $35.00 — $63.00
Altman Z
2.2
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
GIS buys
0
No recent congressional trades found for HTLFP or GIS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHTLFPGIS
Forward yield6.99%6.55%
Annual dividend / share$1.75$2.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%22.8%
Portfolio after 10y$44135.30M$79.2K
Annual income after 10y$42,954,134,401.51$16,311.42
Total dividends collected$44054.14M$51.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

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

YearHTLFP PortfolioHTLFP Income/yrGIS PortfolioGIS Income/yrGap
1← crossover$12,097$1,397.21$11,504$804.11+$593.00HTLFP
2$16,103$3,159.31$13,371$1,061.65+$2.7KHTLFP
3$25,091$7,860.82$15,723$1,416.15+$9.4KHTLFP
4$49,742$22,894.09$18,735$1,911.16+$31.0KHTLFP
5$138,057$84,833.46$22,660$2,613.51+$115.4KHTLFP
6$587,820$440,099.22$27,874$3,627.81+$559.9KHTLFP
7$4,131,502$3,502,533.73$34,947$5,121.52+$4.10MHTLFP
8$50,434,895$46,014,188.67$44,762$7,369.21+$50.39MHTLFP
9$1,103,897,363$1,049,932,024.49$58,728$10,832.80+$1103.84MHTLFP
10$44,135,304,579$42,954,134,401.51$79,151$16,311.42+$44135.23MHTLFP

HTLFP vs GIS: 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.

Full HTLFP Calculator →

GISConsumer Staples

General Mills, Inc. manufactures and markets branded consumer foods worldwide. The company operates in five segments: North America Retail; Convenience Stores & Foodservice; Europe & Australia; Asia & Latin America; and Pet. It offers ready-to-eat cereals, refrigerated yogurt, soup, meal kits, refrigerated and frozen dough products, dessert and baking mixes, bakery flour, frozen pizza and pizza snacks, snack bars, fruit and salty snacks, ice cream, nutrition bars, wellness beverages, and savory and grain snacks, as well as various organic products, including frozen and shelf-stable vegetables. It also supplies branded and unbranded food products to the North American foodservice and commercial baking industries; and manufactures and markets pet food products, including dog and cat food. The company markets its products under the Annie's, Betty Crocker, Bisquick, Blue Buffalo, Blue Basics, Blue Freedom, Bugles, Cascadian Farm, Cheerios, Chex, Cinnamon Toast Crunch, Cocoa Puffs, Cookie Crisp, EPIC, Fiber One, Food Should Taste Good, Fruit by the Foot, Fruit Gushers, Fruit Roll-Ups, Gardetto's, Go-Gurt, Gold Medal, Golden Grahams, Häagen-Dazs, Helpers, Jus-Rol, Kitano, Kix, Lärabar, Latina, Liberté, Lucky Charms, Muir Glen, Nature Valley, Oatmeal Crisp, Old El Paso, Oui, Pillsbury, Progresso, Raisin Nut Bran, Total, Totino's, Trix, Wanchai Ferry, Wheaties, Wilderness, Yoki, and Yoplait trademarks. It sells its products directly, as well as through broker and distribution arrangements to grocery stores, mass merchandisers, membership stores, natural food chains, e-commerce retailers, commercial and noncommercial foodservice distributors and operators, restaurants, convenience stores, and pet specialty stores, as well as drug, dollar, and discount chains. The company operates 466 leased and 392 franchise ice cream parlors. General Mills, Inc. was founded in 1866 and is headquartered in Minneapolis, Minnesota.

Full GIS 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.