Is MSEX or IBM a better dividend investment in 2026?

MSEX currently yields 2.64% with a 5% 5-year dividend growth rate. IBM yields 3.06% with 1% growth. The better choice depends on your goal: IBM offers higher current income.

What is the dividend yield difference between MSEX and IBM?

MSEX has a forward dividend yield of 2.64% ($1.40/share annually). IBM yields 3.06% ($6.68/share annually). The yield gap is 0.42 percentage points.

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MSEX vs IBM: Dividend Comparison 2026

MSEX yields 2.64% · IBM yields 3.06%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 MSEX wins by $20.9K in total portfolio value· pulled ahead in Year 3

INVESTMENT

TIME HORIZON10 years

MSEX

● Live price

2.64%

Share price

$52.94

Annual div

$1.40

5Y div CAGR

31.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$48.5K

Annual income

$8,193.21

Full MSEX calculator →

IBM

International Business Machines

● Live price

3.06%

Share price

$218.40

Annual div

$6.68

5Y div CAGR

Payout ratio

64%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.6K

Annual income

$410.34

Full IBM calculator →

Portfolio growth — MSEX vs IBM

📍 MSEX pulled ahead of the other in Year 3

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 Period	MSEX	IBM
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, MSEX + IBM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

MSEX pays

IBM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

MSEX

Annual income on $10K today (after 15% tax)

$224.77/yr

After 10yr DRIP, annual income (after tax)

$6,964.23/yr

IBM

Annual income on $10K today (after 15% tax)

$259.98/yr

After 10yr DRIP, annual income (after tax)

$348.79/yr

At 15% tax rate, MSEX beats the other by $6,615.44/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of MSEX + IBM for your $10,000?

MSEX: 50%IBM: 50%

100% IBM50/50100% MSEX

Portfolio after 10yr

$38.1K

Annual income

$4,301.78/yr

Blended yield

11.30%

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Analyst Conviction Gap

Where Wall Street is most bullish on IBM right now

MSEX

Analyst Ratings

Buy

Hold

Consensus: Buy

Price Target

$53.50

+1.1% upside vs current

Range: $52.00 — $55.00

Altman Z

1.1

Piotroski

4/9

IBM

Analyst Ratings

Strong

Buy

Hold

Sell

Consensus: Hold

Price Target

$349.50

+60.0% upside vs current

Range: $304.00 — $380.00

Altman Z

3.2

Piotroski

5/9

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)

MSEX buys

IBM buys

No recent congressional trades found for MSEX or IBM in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricMSEXIBM

Forward yield	2.64%	3.06% ✓
Annual dividend / share	$1.40	$6.68 ✓
Payout ratio	50% ✓	64%
1-year div growth	0%	0.6% ✓
5-year div CAGR	31.2% ✓	1%
Portfolio after 10y	$48.5K ✓	$27.6K
Annual income after 10y	$8,193.21 ✓	$410.34
Total dividends collected	$24.9K ✓	$3.6K
Payment frequency	quarterly	quarterly
Sector	Stock	Technology
Analyst consensus	Buy	Hold
Analyst price target	$53.50	$349.50 ✓

Year-by-year: MSEX vs IBM ($10,000, DRIP)

Year	MSEX Portfolio	MSEX Income/yr	IBM Portfolio	IBM Income/yr	Gap
1	$11,047	$346.94	$11,149	$308.92	$102.00 → IBM
2	$12,290	$469.95	$12,406	$320.90	$116.00 → IBM
3← crossover	$13,792	$641.08	$13,781	$332.72	+$11.00 → MSEX
4	$15,639	$882.11	$15,283	$344.36	+$356.00 → MSEX
5	$17,960	$1,226.50	$16,923	$355.82	+$1.0K → MSEX
6	$20,945	$1,727.11	$18,711	$367.09	+$2.2K → MSEX
7	$24,880	$2,469.62	$20,661	$378.18	+$4.2K → MSEX
8	$30,219	$3,597.20	$22,786	$389.09	+$7.4K → MSEX
9	$37,692	$5,357.23	$25,100	$399.81	+$12.6K → MSEX
10	$48,523	$8,193.21	$27,618	$410.34	+$20.9K → MSEX

MSEX vs IBM: Complete Analysis 2026

MSEX — Stock

Middlesex Water Company owns and operates regulated water utility and wastewater systems. It operates in two segments, Regulated and Non-Regulated. The Regulated segment collects, treats, and distributes water on a retail and wholesale basis to residential, commercial, industrial, and fire protection customers, as well as provides regulated wastewater systems in New Jersey and Delaware. The Non-Regulated segment provides non-regulated contract services for the operation and maintenance of municipal and private water and wastewater systems in New Jersey and Delaware. The company was incorporated in 1896 and is headquartered in Iselin, New Jersey.

Full MSEX Calculator →

IBM — Technology

IBM is a Dividend Aristocrat with 28+ consecutive years of increases. After spinning off its managed infrastructure business as Kyndryl in 2021, IBM refocused on hybrid cloud and AI. Its Red Hat acquisition underpins a software-led business model with higher margins and more predictable revenue growth.

Full IBM 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.