HomeCompareSCHW vs CFG

SCHW vs CFG: Dividend Comparison 2026

SCHW yields 1.21% · CFG yields 3.06%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCHW wins by $19.5K in total portfolio value· pulled ahead in Year 6
10 years
SCHW
SCHW
● Live price
1.21%
Share price
$93.06
Annual div
$1.13
5Y div CAGR
46.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$50.0K
Annual income
$11,081.00
Full SCHW calculator →
CFG
CFG
● Live price
3.06%
Share price
$57.45
Annual div
$1.76
5Y div CAGR
14.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.4K
Annual income
$1,688.32
Full CFG calculator →

Portfolio growth — SCHW vs CFG

📍 SCHW 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 PeriodSCHWCFG
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, SCHW + CFG cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SCHW
Annual income on $10K today (after 15% tax)
$103.21/yr
After 10yr DRIP, annual income (after tax)
$9,418.85/yr
CFG
Annual income on $10K today (after 15% tax)
$260.40/yr
After 10yr DRIP, annual income (after tax)
$1,435.07/yr
At 15% tax rate, SCHW beats the other by $7,983.78/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SCHW + CFG for your $10,000?

SCHW: 50%CFG: 50%
100% CFG50/50100% SCHW
Portfolio after 10yr
$40.2K
Annual income
$6,384.66/yr
Blended yield
15.88%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CFG right now

SCHW
Analyst Ratings
29
Buy
18
Hold
3
Sell
Consensus: Buy
Price Target
$122.78
+31.9% upside vs current
Range: $105.00 — $148.00
Altman Z
0.9
Piotroski
9/9
CFG
Analyst Ratings
31
Buy
6
Hold
1
Sell
Consensus: Buy
Price Target
$70.08
+22.0% upside vs current
Range: $60.00 — $80.00
Altman Z
0.3
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)

SCHW buys
0
CFG buys
0
No recent congressional trades found for SCHW or CFG in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCHWCFG
Forward yield1.21%3.06%
Annual dividend / share$1.13$1.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR46.7%14.2%
Portfolio after 10y$50.0K$30.4K
Annual income after 10y$11,081.00$1,688.32
Total dividends collected$27.1K$8.6K
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusBuyBuy
Analyst price target$122.78$70.08

Year-by-year: SCHW vs CFG ($10,000, DRIP)

YearSCHW PortfolioSCHW Income/yrCFG PortfolioCFG Income/yrGap
1$10,878$178.13$11,050$349.86$172.00CFG
2$11,905$265.67$12,236$412.60$331.00CFG
3$13,137$398.64$13,580$487.63$443.00CFG
4$14,660$603.10$15,108$577.61$448.00CFG
5$16,609$922.71$16,852$685.86$243.00CFG
6← crossover$19,205$1,433.24$18,848$816.48+$357.00SCHW
7$22,821$2,272.13$21,142$974.64+$1.7KSCHW
8$28,120$3,701.76$23,789$1,166.83+$4.3KSCHW
9$36,343$6,253.72$26,855$1,401.25+$9.5KSCHW
10$49,968$11,081.00$30,423$1,688.32+$19.5KSCHW

SCHW vs CFG: Complete Analysis 2026

SCHWFinancials

The Charles Schwab Corporation, together with its subsidiaries, provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services. The company operates in two segments, Investor Services and Advisor Services. The Investor Services segment provides retail brokerage, investment advisory, banking and trust, retirement plan, and other corporate brokerage services; equity compensation plan sponsors full-service recordkeeping for stock plans, stock options, restricted stock, performance shares, and stock appreciation rights; and retail investor and mutual fund clearing services, as well as compliance solutions. The Advisor Services segment offers custodial, trading, banking, and support services; and retirement business and corporate brokerage retirement services. This segment provides brokerage accounts with equity and fixed income, margin lending, options, and futures and forex trading; cash management capabilities comprising third-party certificates of deposit; third-party and proprietary mutual funds; plus mutual fund trading and clearing services; and exchange-traded funds (ETFs), including proprietary and third-party ETFs. It also offers advice solutions, such as managed portfolios of proprietary and third-party mutual funds and ETFs, separately managed accounts, customized personal advice for tailored portfolios, and specialized planning and portfolio management. In addition, this segment provides banking products and services, including checking and savings accounts, first lien residential real estate mortgage loans, home equity lines of credit, and pledged asset lines; and trust services comprising trust custody services, personal trust reporting services, and administrative trustee services. As of December 31, 2021, the Company had approximately 400 domestic branch offices in 48 states and the District of Columbia, as well as locations in Puerto Rico, the United Kingdom, Hong Kong, and Singapore. The Charles Schwab Corporation was incorporated in 1971 and is headquartered in Westlake, Texas.

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CFGFinancials

Citizens Financial Group, Inc. operates as the bank holding company for Citizens Bank, National Association that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, corporations, and institutions in the United States. The company operates in two segments, Consumer Banking and Commercial Banking. The Consumer Banking segment offers deposit products, mortgage and home equity lending products, credit cards, business loans, wealth management, and investment services; and auto, education, and point-of-sale finance loans, as well as digital deposit products. This segment serves its customers through telephone service centers, as well as through its online and mobile platforms. The Commercial Banking segment provides various financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, as well as syndicated loans, corporate finance, mergers and acquisitions, and debt and equity capital markets services. This segment serves government banking, not-for-profit, healthcare, technology, professionals, oil and gas, asset finance, franchise finance, asset-based lending, commercial real estate, private equity, and sponsor finance industries. It operates approximately 1,200 branches in 14 states and the District of Columbia; 114 retail and commercial non-branch offices in national markets; and approximately 3,300 automated teller machines. The company was formerly known as RBS Citizens Financial Group, Inc. and changed its name to Citizens Financial Group, Inc. in April 2014. Citizens Financial Group, Inc. was founded in 1828 and is headquartered in Providence, Rhode Island.

Full CFG 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.