HomeComparePBCT vs CINF

PBCT vs CINF: Dividend Comparison 2026

PBCT yields 68.97% · CINF yields 2.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PBCT wins by $4.06M 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 →
CINF
CINF
● Live price
2.27%
Share price
$156.42
Annual div
$3.55
5Y div CAGR
44.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$84.7K
Annual income
$26,110.98
Full CINF calculator →

Portfolio growth — PBCT vs CINF

📍 PBCT 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 PeriodPBCTCINF
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, PBCT + CINF cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PBCT pays
CINF 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
CINF
Annual income on $10K today (after 15% tax)
$192.91/yr
After 10yr DRIP, annual income (after tax)
$22,194.33/yr
At 15% tax rate, PBCT beats the other by $1,457,103.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PBCT: 50%CINF: 50%
100% CINF50/50100% PBCT
Portfolio after 10yr
$2.12M
Annual income
$883,230.39/yr
Blended yield
41.73%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CINF right now

PBCT
Analyst Ratings
2
Buy
18
Hold
3
Sell
Consensus: Hold
CINF
Analyst Ratings
9
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$166.00
+6.1% upside vs current
Range: $157.00 — $175.00
Altman Z
1.9
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)

PBCT buys
0
CINF buys
0
No recent congressional trades found for PBCT or CINF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPBCTCINF
Forward yield68.97%2.27%
Annual dividend / share$13.39$3.55
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR7.5%44.1%
Portfolio after 10y$4.15M$84.7K
Annual income after 10y$1,740,349.80$26,110.98
Total dividends collected$3.79M$58.9K
Payment frequencyquarterlyquarterly
SectorStockFinancials
Analyst consensusHoldBuy

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

YearPBCT PortfolioPBCT Income/yrCINF PortfolioCINF Income/yrGap
1← crossover$18,115$7,414.60$11,027$327.04+$7.1KPBCT
2$32,877$13,494.02$12,285$485.67+$20.6KPBCT
3$59,783$24,605.07$13,873$728.65+$45.9KPBCT
4$108,919$44,951.07$15,952$1,108.20+$93.0KPBCT
5$198,822$82,279.18$18,785$1,716.13+$180.0KPBCT
6$363,636$150,895.63$22,822$2,721.57+$340.8KPBCT
7$666,360$277,269.67$28,872$4,452.79+$637.5KPBCT
8$1,223,474$510,469.01$38,480$7,586.48+$1.18MPBCT
9$2,250,747$941,629.40$54,790$13,616.74+$2.20MPBCT
10$4,148,649$1,740,349.80$84,736$26,110.98+$4.06MPBCT

PBCT vs CINF: Complete Analysis 2026

PBCTStock

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 →

CINFFinancials

Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty, commercial property, commercial auto, and workers' compensation. It also provides director and officer liability insurance, contract and commercial surety bonds, and fidelity bonds; and machinery and equipment coverage. The Personal Lines Insurance segment offers personal auto insurance; homeowner insurance; and dwelling fire, inland marine, personal umbrella liability, and watercraft coverages to individuals. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance products; universal life insurance products; worksite products, such as term life; and whole life insurance products. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. Cincinnati Financial Corporation was founded in 1950 and is headquartered in Fairfield, Ohio.

Full CINF 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.