HomeCompareOCFCP vs PEP

OCFCP vs PEP: Dividend Comparison 2026

OCFCP yields 7.00% · PEP yields 3.63%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PEP wins by $81.0K in total portfolio value· pulled ahead in Year 7
10 years
OCFCP
OCFCP
● Live price
7.00%
Share price
$25.00
Annual div
$1.75
5Y div CAGR
17.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$60.9K
Annual income
$9,095.84
Full OCFCP calculator →
PEP
PepsiCo Inc.
● Live price
3.63%
Share price
$156.82
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$141.9K
Annual income
$61,875.67
Full PEP calculator →

Portfolio growth — OCFCP vs PEP

📍 PEP pulled ahead of the other in Year 7

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 PeriodOCFCPPEP
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, OCFCP + PEP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

OCFCP
Annual income on $10K today (after 15% tax)
$595.00/yr
After 10yr DRIP, annual income (after tax)
$7,731.46/yr
PEP
Annual income on $10K today (after 15% tax)
$308.41/yr
After 10yr DRIP, annual income (after tax)
$52,594.32/yr
At 15% tax rate, PEP beats the other by $44,862.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of OCFCP + PEP for your $10,000?

OCFCP: 50%PEP: 50%
100% PEP50/50100% OCFCP
Portfolio after 10yr
$101.4K
Annual income
$35,485.76/yr
Blended yield
34.99%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

OCFCP
Analyst Ratings
1
Strong
2
Buy
3
Hold
Consensus: Hold
Altman Z
1.2
Piotroski
7/9
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+10.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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)

OCFCP buys
0
PEP buys
0
No recent congressional trades found for OCFCP or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricOCFCPPEP
Forward yield7.00%3.63%
Annual dividend / share$1.75$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR17.3%40.4%
Portfolio after 10y$60.9K$141.9K
Annual income after 10y$9,095.84$61,875.67
Total dividends collected$34.4K$123.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

Year-by-year: OCFCP vs PEP ($10,000, DRIP)

YearOCFCP PortfolioOCFCP Income/yrPEP PortfolioPEP Income/yrGap
1$11,521$821.10$10,849$509.42+$672.00OCFCP
2$13,365$1,037.07$11,969$750.47+$1.4KOCFCP
3$15,619$1,318.81$13,500$1,124.14+$2.1KOCFCP
4$18,402$1,689.64$15,680$1,721.66+$2.7KOCFCP
5$21,872$2,182.32$18,929$2,715.34+$2.9KOCFCP
6$26,247$2,843.58$24,023$4,450.80+$2.2KOCFCP
7← crossover$31,825$3,740.79$32,510$7,669.92$685.00PEP
8$39,025$4,972.42$47,709$14,093.60$8.7KPEP
9$48,441$6,684.34$77,415$28,083.48$29.0KPEP
10$60,928$9,095.84$141,922$61,875.67$81.0KPEP

OCFCP vs PEP: Complete Analysis 2026

OCFCPStock

OceanFirst Financial Corp. operates as the bank holding company for OceanFirst Bank N.A. that provides community banking services. It accepts money market accounts, savings accounts, interest-bearing checking accounts, non-interest-bearing demand deposits, and time deposits to retail, government, and business customers. The company also offers commercial real estate, multi-family, land loans, construction, and commercial and industrial loans; fixed-rate and adjustable-rate mortgage loans that are secured by one-to-four family residences; and consumer loans, such as home equity loans and lines of credit, student loans, overdraft line of credit, loans on savings accounts, and other consumer loans. In addition, it invests in mortgage-backed securities, securities issued by the U.S. Government and agencies, corporate securities, and other investments. Further, the company offers bankcard, wealth management, and trust and asset management services; and sells alternative investment products and life insurance products. As of December 31, 2021, it operated through its branch office in Toms River; administrative office located in Red Bank and Mount Laurel; 46 additional branch offices and four deposit production facilities located throughout central and southern New Jersey; and commercial loan production offices in New Jersey, New York City, the Philadelphia area, Baltimore, and Boston. The company was founded in 1902 and is based in Red Bank, New Jersey.

Full OCFCP Calculator →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.