HomeComparePWOD vs CL

PWOD vs CL: Dividend Comparison 2026

PWOD yields 4.27% · CL yields 2.43%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $13.8K in total portfolio value· pulled ahead in Year 4
10 years
PWOD
PWOD
● Live price
4.27%
Share price
$30.00
Annual div
$1.28
5Y div CAGR
1.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.0K
Annual income
$663.60
Full PWOD 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 — PWOD vs CL

📍 CL 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 PeriodPWODCL
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, PWOD + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PWOD
Annual income on $10K today (after 15% tax)
$362.67/yr
After 10yr DRIP, annual income (after tax)
$564.06/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, CL beats the other by $4,027.61/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PWOD: 50%CL: 50%
100% CL50/50100% PWOD
Portfolio after 10yr
$33.9K
Annual income
$3,032.78/yr
Blended yield
8.94%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

PWOD
No analyst data
Altman Z
-0.7
Piotroski
6/9
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)

PWOD buys
0
CL buys
0
No recent congressional trades found for PWOD or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPWODCL
Forward yield4.27%2.43%
Annual dividend / share$1.28$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR1.5%28.6%
Portfolio after 10y$27.0K$40.8K
Annual income after 10y$663.60$5,401.96
Total dividends collected$5.5K$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearPWOD PortfolioPWOD Income/yrCL PortfolioCL Income/yrGap
1$11,133$433.07$11,012$312.01+$121.00PWOD
2$12,370$457.35$12,196$412.95+$174.00PWOD
3$13,718$482.04$13,599$549.66+$119.00PWOD
4← crossover$15,185$507.09$15,288$736.64$103.00CL
5$16,780$532.47$17,353$995.28$573.00CL
6$18,513$558.17$19,926$1,357.80$1.4KCL
7$20,393$584.16$23,194$1,873.82$2.8KCL
8$22,431$610.40$27,439$2,621.52$5.0KCL
9$24,638$636.89$33,088$3,727.38$8.4KCL
10$27,027$663.60$40,806$5,401.96$13.8KCL

PWOD vs CL: Complete Analysis 2026

PWODStock

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of twenty-seven offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania.

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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.