Home › Compare › NRLB vs PM

NRLB vs PM: Dividend Comparison 2026

NRLB yields 5000.00% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 NRLB wins by $566.54M in total portfolio value
10 years
NRLB
NRLB
● Live price
5000.00%
Share price
$0.04
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$566.59M
Annual income
$13,723,006.45
Full NRLB calculator →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — NRLB vs PM

📍 NRLB pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodNRLBPM
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, NRLB + PM cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
NRLB pays
PM pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

NRLB
Annual income on $10K today (after 15% tax)
$425,000.00/yr
After 10yr DRIP, annual income (after tax)
$11,664,555.48/yr
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, NRLB beats the other by $11,662,437.27/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of NRLB + PM for your $10,000?

NRLB: 50%PM: 50%
100% PM50/50100% NRLB
Portfolio after 10yr
$283.32M
Annual income
$6,862,749.23/yr
Blended yield
2.42%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

NRLB
No analyst data
Altman Z
0.2
Piotroski
4/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
Piotroski
7/9
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)

NRLB buys
0
PM buys
0
No recent congressional trades found for NRLB or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNRLBPM
Forward yield5000.00% ✓3.48%
Annual dividend / share$2.00$5.76 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%17.2% ✓
Portfolio after 10y$566.59M ✓$49.6K
Annual income after 10y$13,723,006.45 ✓$2,492.02
Total dividends collected$431.41M ✓$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: NRLB vs PM ($10,000, DRIP)

YearNRLB PortfolioNRLB Income/yrPM PortfolioPM Income/yrGap
1← crossover$260,700$250,000.00$11,648$408.29+$249.1K → NRLB
2$3,324,510$3,045,560.75$13,589$495.90+$3.31M → NRLB
3$21,705,698$18,148,472.29$15,877$603.21+$21.69M → NRLB
4$78,594,831$55,369,734.26$18,580$734.88+$78.58M → NRLB
5$177,783,375$93,686,906.45$21,781$896.75+$177.76M → NRLB
6$289,257,188$99,028,976.26$25,578$1,096.12+$289.23M → NRLB
7$384,795,925$75,290,733.55$30,092$1,342.17+$384.77M → NRLB
8$458,534,679$46,803,039.60$35,470$1,646.46+$458.50M → NRLB
9$516,693,763$26,061,656.05$41,892$2,023.58+$516.65M → NRLB
10$566,585,332$13,723,006.45$49,578$2,492.02+$566.54M → NRLB

NRLB vs PM: Complete Analysis 2026

NRLB — Stock

Northern California Bancorp, Inc. operates as the bank holding company for Monterey County Bank that provides various banking products and services in California. Its deposit products include checking and savings accounts, certificates of deposit, and individual retirement accounts. The company offers small business administration and commercial loans; merchant services; credit and debit cards; and internet banking services. Northern California Bancorp, Inc. was founded in 1977 and is based in Monterey, California.

Full NRLB Calculator →

PM — Consumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

Full PM Calculator →
📬

Get this NRLB vs PM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

NRLB vs SCHDNRLB vs JEPINRLB vs ONRLB vs KONRLB vs MAINNRLB vs MONRLB vs BTINRLB vs PEP

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.