HomeComparePFC vs CL

PFC vs CL: Dividend Comparison 2026

PFC yields 4.42% · CL yields 2.43%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PFC wins by $1.54M in total portfolio value
10 years
PFC
PFC
● Live price
4.42%
Share price
$28.04
Annual div
$1.24
5Y div CAGR
57.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.58M
Annual income
$1,080,423.49
Full PFC calculator →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — PFC vs CL

📍 PFC 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 PeriodPFCCL
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, PFC + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PFC
Annual income on $10K today (after 15% tax)
$375.89/yr
After 10yr DRIP, annual income (after tax)
$918,359.97/yr
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, PFC beats the other by $913,768.30/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PFC: 50%CL: 50%
100% CL50/50100% PFC
Portfolio after 10yr
$810.0K
Annual income
$542,912.72/yr
Blended yield
67.02%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

PFC
Analyst Ratings
1
Buy
4
Hold
Consensus: Hold
Price Target
$22.00
-21.5% upside vs current
Range: $22.00 — $22.00
Altman Z
0.4
Piotroski
5/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% 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)

PFC buys
0
CL buys
0
No recent congressional trades found for PFC or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPFCCL
Forward yield4.42%2.43%
Annual dividend / share$1.24$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR57.9%28.6%
Portfolio after 10y$1.58M$40.8K
Annual income after 10y$1,080,423.49$5,401.96
Total dividends collected$1.51M$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold
Analyst price target$22.00$92.45

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

YearPFC PortfolioPFC Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,398$698.27$11,012$312.01+$386.00PFC
2$13,371$1,174.53$12,196$412.95+$1.2KPFC
3$16,340$2,033.18$13,599$549.66+$2.7KPFC
4$21,150$3,666.64$15,288$736.64+$5.9KPFC
5$29,635$7,003.81$17,353$995.28+$12.3KPFC
6$46,191$14,481.58$19,926$1,357.80+$26.3KPFC
7$82,733$33,309.58$23,194$1,873.82+$59.5KPFC
8$176,568$88,043.15$27,439$2,621.52+$149.1KPFC
9$466,212$277,283.83$33,088$3,727.38+$433.1KPFC
10$1,579,270$1,080,423.49$40,806$5,401.96+$1.54MPFC

PFC vs CL: Complete Analysis 2026

PFCStock

Premier Financial Corp., through its subsidiaries, provides various banking services. It offers various demand, checking, money market, and savings accounts, as well as certificates of deposits and certificates of deposit account registry service; and investment products. The company also provides residential and commercial real estate, commercial, construction, home improvement and home equity, and consumer loans. In addition, it invests in the U.S. treasury and federal government agency obligations, obligations of states and political subdivisions, mortgage-backed securities that are issued by federal agencies, collateralized mortgage obligations, and corporate bonds. Further, the company offers property and casualty, life, and group health insurance agency services; mezzanine funding services; and online banking services, which include mobile banking, person-to-person payments, online bill pay, and online account opening, as well as the MoneyPass ATM network. It operates through 75 banking center offices and 12 loan offices in Ohio, Michigan, Indiana, Pennsylvania, and West Virginia. The company was formerly known as First Defiance Financial Corp. and changed its name to Premier Financial Corp. in June 2020. Premier Financial Corp. was founded in 1920 and is headquartered in Defiance, Ohio.

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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.