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PBAM vs MCD: Dividend Comparison 2026

PBAM yields 2.94% · MCD yields 2.35%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCD wins by $54.4K in total portfolio value· pulled ahead in Year 4
10 years
PBAM
PBAM
● Live price
2.94%
Share price
$67.99
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.1K
Annual income
$355.57
Full PBAM calculator →
MCD
McDonald's Corporation
● Live price
2.35%
Share price
$308.53
Annual div
$7.26
5Y div CAGR
42.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.5K
Annual income
$26,227.70
Full MCD calculator →

Portfolio growth — PBAM vs MCD

📍 MCD pulled ahead of the other in Year 4

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 PeriodPBAMMCD
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, PBAM + MCD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PBAM
Annual income on $10K today (after 15% tax)
$250.04/yr
After 10yr DRIP, annual income (after tax)
$302.23/yr
MCD
Annual income on $10K today (after 15% tax)
$200.01/yr
After 10yr DRIP, annual income (after tax)
$22,293.55/yr
At 15% tax rate, MCD beats the other by $21,991.31/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PBAM + MCD for your $10,000?

PBAM: 50%MCD: 50%
100% MCD50/50100% PBAM
Portfolio after 10yr
$51.3K
Annual income
$13,291.63/yr
Blended yield
25.89%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

PBAM
Analyst Ratings
3
Buy
1
Hold
Consensus: Buy
Price Target
$76.00
+11.8% upside vs current
Range: $75.00 — $77.00
Altman Z
-0.5
Piotroski
4/9
MCD
Analyst Ratings
37
Buy
23
Hold
1
Sell
Consensus: Buy
Price Target
$351.76
+14.0% upside vs current
Range: $320.00 — $385.00
Altman Z
4.9
Piotroski
5/9
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)

PBAM buys
0
MCD buys
0
No recent congressional trades found for PBAM or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPBAMMCD
Forward yield2.94%2.35%
Annual dividend / share$2.00$7.26
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%42.3%
Portfolio after 10y$24.1K$78.5K
Annual income after 10y$355.57$26,227.70
Total dividends collected$3.3K$58.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary
Analyst consensusBuyBuy
Analyst price target$76.00$351.76

Year-by-year: PBAM vs MCD ($10,000, DRIP)

YearPBAM PortfolioPBAM Income/yrMCD PortfolioMCD Income/yrGap
1$10,994$294.16$10,815$334.85+$179.00PBAM
2$12,066$302.25$11,826$491.71+$240.00PBAM
3$13,221$310.01$13,123$730.06+$98.00PBAM
4← crossover$14,464$317.46$14,853$1,100.07$389.00MCD
5$15,801$324.58$17,257$1,690.61$1.5KMCD
6$17,238$331.39$20,752$2,667.01$3.5KMCD
7$18,783$337.89$26,103$4,354.83$7.3KMCD
8$20,441$344.07$34,794$7,437.78$14.4KMCD
9$22,222$349.97$49,926$13,461.60$27.7KMCD
10$24,133$355.57$78,550$26,227.70$54.4KMCD

PBAM vs MCD: Complete Analysis 2026

PBAMStock

Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California. The company's personal banking services include personal checking and savings, money market, certificate of deposit, and retirement accounts; personal credit lines and term loans; additional services, such as direct deposits, online banking, ATMs/debit cards, credit cards, savings/line of credit overdraft protection, and safe deposit boxes; and certificate of deposit account registry services. Its business banking services consist of business checking and savings accounts, sweep accounts; and business services comprising treasury management, merchant card, bill pay, positive pay, e-statement, remote deposit capture, wire transfer services, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault, and gift and business credit cards, as well as funds management services. The company also offers commercial real estate, small business administration, construction, and equipment and business expansion loans, as well as working capital lines of credit and letters of credit. The company has offices in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.

Full PBAM Calculator →

MCDConsumer Discretionary

McDonald's Corporation operates and franchises McDonald's restaurants in the United States and internationally. Its restaurants offer hamburgers and cheeseburgers, chicken sandwiches and nuggets, wraps, fries, salads, oatmeal, shakes, desserts, sundaes, soft serve cones, bakery items, soft drinks, coffee, and beverages and other beverages, as well as breakfast menu, including biscuit and bagel sandwiches, breakfast burritos, hotcakes, and other sandwiches. As of December 31, 2021, the company operated 40,031 restaurants. McDonald's Corporation was founded in 1940 and is headquartered in Chicago, Illinois.

Full MCD 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.