HomeCompareIBTX vs CL

IBTX vs CL: Dividend Comparison 2026

IBTX yields 2.51% · CL yields 2.43%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IBTX wins by $175.72M in total portfolio value
10 years
IBTX
IBTX
● Live price
2.51%
Share price
$60.67
Annual div
$1.52
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$175.76M
Annual income
$163,242,820.00
Full IBTX 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 — IBTX vs CL

📍 IBTX 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 PeriodIBTXCL
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, IBTX + CL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IBTX pays
CL pays
Both pay
Neither
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Tax Bracket Optimizer

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

IBTX
Annual income on $10K today (after 15% tax)
$212.96/yr
After 10yr DRIP, annual income (after tax)
$138,756,397.00/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, IBTX beats the other by $138,751,805.33/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IBTX: 50%CL: 50%
100% CL50/50100% IBTX
Portfolio after 10yr
$87.90M
Annual income
$81,624,110.98/yr
Blended yield
92.86%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

IBTX
Analyst Ratings
11
Buy
6
Hold
Consensus: Buy
Price Target
$83.00
+36.8% upside vs current
Range: $83.00 — $83.00
Altman Z
0.0
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IBTX buys
0
CL buys
0
No recent congressional trades found for IBTX or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIBTXCL
Forward yield2.51%2.43%
Annual dividend / share$1.52$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%28.6%
Portfolio after 10y$175.76M$40.8K
Annual income after 10y$163,242,820.00$5,401.96
Total dividends collected$174.80M$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyHold
Analyst price target$83.00$92.45

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

YearIBTX PortfolioIBTX Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,201$501.07$11,012$312.01+$189.00IBTX
2$13,034$1,049.07$12,196$412.95+$838.00IBTX
3$16,228$2,281.80$13,599$549.66+$2.6KIBTX
4$22,675$5,310.24$15,288$736.64+$7.4KIBTX
5$38,130$13,868.35$17,353$995.28+$20.8KIBTX
6$84,391$43,591.31$19,926$1,357.80+$64.5KIBTX
7$270,629$180,331.34$23,194$1,873.82+$247.4KIBTX
8$1,370,504$1,080,931.05$27,439$2,621.52+$1.34MIBTX
9$11,698,186$10,231,746.67$33,088$3,727.38+$11.67MIBTX
10$175,759,879$163,242,820.00$40,806$5,401.96+$175.72MIBTX

IBTX vs CL: Complete Analysis 2026

IBTXStock

Independent Bank Group, Inc. operates as the bank holding company for Independent Bank that provides various commercial banking products and services to businesses, professionals, and individuals in the United States. It accepts various deposit products, including checking and savings accounts, demand deposits, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction, land, and land development loans; residential real estate loans; single-family interim construction loans; commercial loans comprising SBA guaranteed loans, business term loans, equipment lease financing, lines of credit, and energy related loans; agricultural loans for farmers and ranchers; consumer installment loans comprising loans to purchase cars, boats, and other recreational vehicles; and residential mortgages, as well as mortgage warehouse purchase loans. In addition, it offers debit cards, online and mobile banking, eStatement, bank-by-mail, and direct deposit services; and business accounts and management services, including analyzed business checking, business savings, and treasury management services. As of December 31, 2021, the company operated 93 full-service branches. Independent Bank Group, Inc. was founded in 2002 and is headquartered in McKinney, Texas.

Full IBTX 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.