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PBCT vs CF: Dividend Comparison 2026

PBCT yields 68.97% · CF yields 1.45%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PBCT wins by $3.87M in total portfolio value
10 years
PBCT
PBCT
● Live price
68.97%
Share price
$19.41
Annual div
$13.39
5Y div CAGR
7.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.15M
Annual income
$1,740,349.80
Full PBCT calculator →
CF
CF
● Live price
1.45%
Share price
$137.55
Annual div
$2.00
5Y div CAGR
67.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$279.4K
Annual income
$157,141.85
Full CF calculator →

Portfolio growth — PBCT vs CF

📍 PBCT 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 PeriodPBCTCF
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, PBCT + CF cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

PBCT
Annual income on $10K today (after 15% tax)
$5,862.71/yr
After 10yr DRIP, annual income (after tax)
$1,479,297.33/yr
CF
Annual income on $10K today (after 15% tax)
$123.59/yr
After 10yr DRIP, annual income (after tax)
$133,570.57/yr
At 15% tax rate, PBCT beats the other by $1,345,726.76/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PBCT + CF for your $10,000?

PBCT: 50%CF: 50%
100% CF50/50100% PBCT
Portfolio after 10yr
$2.21M
Annual income
$948,745.83/yr
Blended yield
42.85%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CF right now

PBCT
Analyst Ratings
2
Buy
18
Hold
3
Sell
Consensus: Hold
CF
Analyst Ratings
21
Buy
14
Hold
6
Sell
Consensus: Buy
Price Target
$91.71
-33.3% upside vs current
Range: $72.00 — $103.00
Altman Z
3.2
Piotroski
8/9
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)

PBCT buys
0
CF buys
0
No recent congressional trades found for PBCT or CF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPBCTCF
Forward yield68.97% ✓1.45%
Annual dividend / share$13.39 ✓$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR7.5%67.5% ✓
Portfolio after 10y$4.15M$279.4K ✓
Annual income after 10y$1,740,349.80 ✓$157,141.85
Total dividends collected$3.79M$247.3K ✓
Payment frequencyquarterlyquarterly
SectorStockMaterials
Analyst consensusHoldBuy

Year-by-year: PBCT vs CF ($10,000, DRIP)

YearPBCT PortfolioPBCT Income/yrCF PortfolioCF Income/yrGap
1← crossover$18,115$7,414.60$10,944$243.55+$7.2K → PBCT
2$32,877$13,494.02$12,127$417.23+$20.8K → PBCT
3$59,783$24,605.07$13,699$723.76+$46.1K → PBCT
4$108,919$44,951.07$15,938$1,279.91+$93.0K → PBCT
5$198,822$82,279.18$19,385$2,331.05+$179.4K → PBCT
6$363,636$150,895.63$25,180$4,438.20+$338.5K → PBCT
7$666,360$277,269.67$35,967$9,024.64+$630.4K → PBCT
8$1,223,474$510,469.01$58,665$20,179.55+$1.16M → PBCT
9$2,250,747$941,629.40$114,295$51,524.02+$2.14M → PBCT
10$4,148,649$1,740,349.80$279,438$157,141.85+$3.87M → PBCT

PBCT vs CF: Complete Analysis 2026

PBCT — Stock

People's United Financial, Inc. operates as the bank holding company for People's United Bank, National Association that provides commercial banking, retail banking, and wealth management services to individual, corporate, and municipal customers. The company offers commercial deposit products, commercial real estate lending, middle market and business banking, equipment financing, mortgage warehouse and asset-based lending, treasury management services, and capital market capabilities. It also provides consumer lending, including residential mortgage and home equity lending; and consumer deposit gathering services. In addition, the company offers brokerage, financial and investment advisory, investment management, life insurance, financial management and planning, and non-institutional trust services, as well as cash management, municipal banking, online banking, investment trading, and telephone banking services. As of March 04, 2022, it operated approximately 400 retail locations in Connecticut, New York, Massachusetts, Vermont, New Hampshire, and Maine. The company also operates 562 ATMs. People's United Financial, Inc. was founded in 1842 and is headquartered in Bridgeport, Connecticut. As of April 1, 2022, People's United Financial, Inc. operates as a subsidiary of M&T Bank Corporation.

Full PBCT Calculator →

CF — Materials

CF Industries Holdings, Inc. manufactures and sells hydrogen and nitrogen products for energy, fertilizer, emissions abatement, and other industrial activities worldwide. Its principal products include anhydrous ammonia, granular urea, urea ammonium nitrate, and ammonium nitrate products. The company also offers diesel exhaust fluid, urea liquor, nitric acid, and aqua ammonia products; and compound fertilizer products with nitrogen, phosphorus, and potassium. It primarily serves cooperatives, independent fertilizer distributors, traders, wholesalers, and industrial users. The company was founded in 1946 and is headquartered in Deerfield, Illinois.

Full CF 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.