HomeCompareOPOF vs CL

OPOF vs CL: Dividend Comparison 2026

OPOF yields 1.00% · CL yields 2.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $17.8K in total portfolio value
10 years
OPOF
OPOF
● Live price
1.00%
Share price
$42.10
Annual div
$0.42
5Y div CAGR
16.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.2K
Annual income
$538.11
Full OPOF 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 — OPOF 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 PeriodOPOFCL
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, OPOF + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

OPOF
Annual income on $10K today (after 15% tax)
$84.80/yr
After 10yr DRIP, annual income (after tax)
$457.39/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 $4,176.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

OPOF: 50%CL: 50%
100% CL50/50100% OPOF
Portfolio after 10yr
$32.1K
Annual income
$2,994.90/yr
Blended yield
9.34%
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Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

OPOF
No analyst data
Altman Z
0.5
Piotroski
8/9
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)

OPOF buys
0
CL buys
0
No recent congressional trades found for OPOF or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricOPOFCL
Forward yield1.00%2.44%
Annual dividend / share$0.42$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR16.7%28.6%
Portfolio after 10y$23.2K$41.0K
Annual income after 10y$538.11$5,451.69
Total dividends collected$2.8K$18.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearOPOF PortfolioOPOF Income/yrCL PortfolioCL Income/yrGap
1← crossover$10,816$116.42$11,014$313.84$198.00CL
2$11,711$137.34$12,200$415.44$489.00CL
3$12,693$162.18$13,607$553.09$914.00CL
4$13,773$191.72$15,301$741.41$1.5KCL
5$14,964$226.89$17,374$1,002.00$2.4KCL
6$16,280$268.86$19,958$1,367.44$3.7KCL
7$17,739$319.03$23,243$1,887.87$5.5KCL
8$19,360$379.12$27,512$2,642.43$8.2KCL
9$21,166$451.27$33,197$3,759.22$12.0KCL
10$23,186$538.11$40,973$5,451.69$17.8KCL

OPOF vs CL: Complete Analysis 2026

OPOFStock

Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services. In addition, the company offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products and wealth management services. It operates 14 branches in the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County; a loan production office in Richmond, Virginia; and a mortgage loan origination office in Charlotte, North Carolina. The company was founded in 1922 and is headquartered in Hampton, Virginia.

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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.