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RF vs COF: Dividend Comparison 2026

RF yields 4.14% · COF yields 1.57%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 COF wins by $22.47M in total portfolio value· pulled ahead in Year 6
10 years
RF
RF
● Live price
4.14%
Share price
$25.24
Annual div
$1.05
5Y div CAGR
57.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.21M
Annual income
$806,474.51
Full RF calculator →
COF
COF
● Live price
1.57%
Share price
$178.13
Annual div
$2.80
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.69M
Annual income
$21,107,984.45
Full COF calculator →

Portfolio growth — RF vs COF

📍 COF pulled ahead of the other in Year 6

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 PeriodRFCOF
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, RF + COF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

RF
Annual income on $10K today (after 15% tax)
$351.92/yr
After 10yr DRIP, annual income (after tax)
$685,503.33/yr
COF
Annual income on $10K today (after 15% tax)
$133.61/yr
After 10yr DRIP, annual income (after tax)
$17,941,786.78/yr
At 15% tax rate, COF beats the other by $17,256,283.45/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of RF + COF for your $10,000?

RF: 50%COF: 50%
100% COF50/50100% RF
Portfolio after 10yr
$12.45M
Annual income
$10,957,229.47/yr
Blended yield
88.00%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on COF right now

RF
Analyst Ratings
22
Buy
26
Hold
4
Sell
Consensus: Hold
Price Target
$29.89
+18.4% upside vs current
Range: $27.00 — $32.00
Altman Z
-0.4
Piotroski
9/9
COF
Analyst Ratings
33
Buy
19
Hold
4
Sell
Consensus: Buy
Price Target
$275.50
+54.7% upside vs current
Range: $218.00 — $300.00
Altman Z
-0.4
Piotroski
7/9
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)

RF buys
0
COF buys
0
No recent congressional trades found for RF or COF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricRFCOF
Forward yield4.14%1.57%
Annual dividend / share$1.05$2.80
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR57.5%100%
Portfolio after 10y$1.21M$23.69M
Annual income after 10y$806,474.51$21,107,984.45
Total dividends collected$1.15M$23.46M
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusHoldBuy
Analyst price target$29.89$275.50

Year-by-year: RF vs COF ($10,000, DRIP)

YearRF PortfolioRF Income/yrCOF PortfolioCOF Income/yrGap
1$11,352$652.09$11,014$314.38+$338.00RF
2$13,236$1,089.63$12,433$647.23+$803.00RF
3$16,033$1,870.12$14,668$1,365.54+$1.4KRF
4$20,490$3,334.37$18,707$3,011.43+$1.8KRF
5$28,196$6,272.35$27,195$7,178.47+$1.0KRF
6← crossover$42,875$12,705.28$48,604$19,505.85$5.7KCOF
7$74,314$28,437.81$117,169$65,162.98$42.9KCOF
8$152,070$72,553.49$418,993$293,621.92$266.9KCOF
9$381,252$218,537.12$2,410,904$1,962,580.97$2.03MCOF
10$1,214,414$806,474.51$23,687,651$21,107,984.45$22.47MCOF

RF vs COF: Complete Analysis 2026

RFFinancials

Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. The company also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. As of March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama.

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COFFinancials

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

Full COF 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.