HomeCompareOPOF vs PEP

OPOF vs PEP: Dividend Comparison 2026

OPOF yields 1.00% · PEP yields 3.66%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PEP wins by $121.5K 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 →
PEP
PepsiCo Inc.
● Live price
3.66%
Share price
$155.29
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$144.7K
Annual income
$63,430.49
Full PEP calculator →

Portfolio growth — OPOF vs PEP

📍 PEP 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 PeriodOPOFPEP
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 + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
OPOF pays
PEP 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
PEP
Annual income on $10K today (after 15% tax)
$311.45/yr
After 10yr DRIP, annual income (after tax)
$53,915.92/yr
At 15% tax rate, PEP beats the other by $53,458.52/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

OPOF: 50%PEP: 50%
100% PEP50/50100% OPOF
Portfolio after 10yr
$83.9K
Annual income
$31,984.30/yr
Blended yield
38.11%
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Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

OPOF
No analyst data
Altman Z
0.5
Piotroski
8/9
PEP
Analyst Ratings
1
Strong
15
Buy
28
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+11.0% 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)

OPOF buys
0
PEP buys
0
No recent congressional trades found for OPOF or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricOPOFPEP
Forward yield1.00%3.66%
Annual dividend / share$0.42$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR16.7%40.4%
Portfolio after 10y$23.2K$144.7K
Annual income after 10y$538.11$63,430.49
Total dividends collected$2.8K$125.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearOPOF PortfolioOPOF Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$10,816$116.42$10,854$514.44$38.00PEP
2$11,711$137.34$11,982$758.21$271.00PEP
3$12,693$162.18$13,526$1,136.44$833.00PEP
4$13,773$191.72$15,727$1,741.93$2.0KPEP
5$14,964$226.89$19,012$2,750.28$4.0KPEP
6$16,280$268.86$24,173$4,514.44$7.9KPEP
7$17,739$319.03$32,789$7,793.80$15.1KPEP
8$19,360$379.12$48,258$14,354.51$28.9KPEP
9$21,166$451.27$78,586$28,686.63$57.4KPEP
10$23,186$538.11$144,688$63,430.49$121.5KPEP

OPOF vs PEP: 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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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.

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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.