HomeCompareNIDB vs CL

NIDB vs CL: Dividend Comparison 2026

NIDB yields 3.30% · CL yields 2.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $20.1K in total portfolio value
10 years
NIDB
NIDB
● Live price
3.30%
Share price
$22.40
Annual div
$0.74
5Y div CAGR
-30.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.9K
Annual income
$8.69
Full NIDB calculator →
CL
CL
● Live price
2.44%
Share price
$85.23
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$41.0K
Annual income
$5,451.69
Full CL calculator →

Portfolio growth — NIDB vs CL

📍 CL 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 PeriodNIDBCL
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, NIDB + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

NIDB
Annual income on $10K today (after 15% tax)
$280.80/yr
After 10yr DRIP, annual income (after tax)
$7.39/yr
CL
Annual income on $10K today (after 15% tax)
$207.44/yr
After 10yr DRIP, annual income (after tax)
$4,633.94/yr
At 15% tax rate, CL beats the other by $4,626.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NIDB: 50%CL: 50%
100% CL50/50100% NIDB
Portfolio after 10yr
$30.9K
Annual income
$2,730.20/yr
Blended yield
8.83%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

NIDB
No analyst data
Altman Z
0.2
Piotroski
4/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+8.5% 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)

NIDB buys
0
CL buys
0
No recent congressional trades found for NIDB or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNIDBCL
Forward yield3.30%2.44%
Annual dividend / share$0.74$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-30.9%28.6%
Portfolio after 10y$20.9K$41.0K
Annual income after 10y$8.69$5,451.69
Total dividends collected$739.00$18.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearNIDB PortfolioNIDB Income/yrCL PortfolioCL Income/yrGap
1← crossover$10,928$228.28$11,014$313.84$86.00CL
2$11,854$161.10$12,200$415.44$346.00CL
3$12,797$112.86$13,607$553.09$810.00CL
4$13,771$78.68$15,301$741.41$1.5KCL
5$14,790$54.68$17,374$1,002.00$2.6KCL
6$15,863$37.92$19,958$1,367.44$4.1KCL
7$17,000$26.27$23,243$1,887.87$6.2KCL
8$18,208$18.18$27,512$2,642.43$9.3KCL
9$19,495$12.57$33,197$3,759.22$13.7KCL
10$20,869$8.69$40,973$5,451.69$20.1KCL

NIDB vs CL: Complete Analysis 2026

NIDBStock

Northeast Indiana Bancorp, Inc. operates as the bank holding company for First Federal Savings Bank that provides various banking and financial advisory services. The company offers various personal products, including checking accounts, savings accounts, retirement accounts, health savings accounts, and direct deposits, as well as certificates of deposit. Its loan portfolio comprises mortgage loans, such as home purchases, refinances, new construction loans, and home equity/home improvement loans; installment loans consisting of auto loans, personal loans, short term notes, and savings account loans, as well as RV, ATV, and boat loans; and commercial loans, including lines of credit, letters of credit, equipment financing, and construction loans, as well as revolving line of credit, term loans, real estate loans, and small business administration loans. The company also offers debit and credit cards, safe deposit boxes, online banking services, merchant services, and cash management services, as well as treasury management and merchant deposit capture services. In addition, it provides various financial services to individual and corporate clients, including brokerage accounts, retail funds, and wealth management products, as well as insurance products and retirement plans. As of January 28, 2022, the company operated five full-service offices in Huntington; 2 offices in Warsaw; and 2 offices in Fort Wayne, Indiana. Northeast Indiana Bancorp, Inc. was incorporated in 1995 and is headquartered in Huntington, Indiana.

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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.

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.