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SCZC vs MO: Dividend Comparison 2026

SCZC yields 0.94% · MO yields 6.36%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCZC wins by $3.66M in total portfolio value
10 years
SCZC
SCZC
● Live price
0.94%
Share price
$41.44
Annual div
$0.39
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$3.74M
Annual income
$3,107,431.86
Full SCZC calculator →
MO
Altria Group Inc.
● Live price
6.36%
Share price
$65.99
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$80.1K
Annual income
$30,159.17
Full MO calculator →

Portfolio growth — SCZC vs MO

📍 SCZC 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 PeriodSCZCMO
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, SCZC + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SCZC
Annual income on $10K today (after 15% tax)
$80.00/yr
After 10yr DRIP, annual income (after tax)
$2,641,317.08/yr
MO
Annual income on $10K today (after 15% tax)
$540.99/yr
After 10yr DRIP, annual income (after tax)
$25,635.29/yr
At 15% tax rate, SCZC beats the other by $2,615,681.79/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SCZC + MO for your $10,000?

SCZC: 50%MO: 50%
100% MO50/50100% SCZC
Portfolio after 10yr
$1.91M
Annual income
$1,568,795.51/yr
Blended yield
82.10%
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Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

SCZC
No analyst data
Altman Z
0.3
Piotroski
3/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-7.2% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
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)

SCZC buys
0
MO buys
0
No recent congressional trades found for SCZC or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCZCMO
Forward yield0.94%6.36%
Annual dividend / share$0.39$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%22.6%
Portfolio after 10y$3.74M$80.1K
Annual income after 10y$3,107,431.86$30,159.17
Total dividends collected$3.67M$74.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: SCZC vs MO ($10,000, DRIP)

YearSCZC PortfolioSCZC Income/yrMO PortfolioMO Income/yrGap
1← crossover$10,888$188.24$10,570$780.30+$318.00SCZC
2$12,034$383.11$11,381$1,032.90+$653.00SCZC
3$13,667$791.42$12,535$1,392.73+$1.1KSCZC
4$16,304$1,680.13$14,193$1,920.91+$2.1KSCZC
5$21,192$3,746.32$16,618$2,723.68+$4.6KSCZC
6$31,777$9,101.65$20,263$3,993.80+$11.5KSCZC
7$59,511$25,509.97$25,936$6,098.36+$33.6KSCZC
8$152,975$89,298.48$35,166$9,775.01+$117.8KSCZC
9$592,739$429,055.47$51,026$16,597.78+$541.7KSCZC
10$3,741,663$3,107,431.86$80,113$30,159.17+$3.66MSCZC

SCZC vs MO: Complete Analysis 2026

SCZCStock

Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses. The company's deposit products include checking, savings, term certificate, money market, and health savings accounts; and IRAs and certificate of deposits. It also offers lending products comprising commercial, multi-family, agricultural, construction, wine industry, venture banking, small business administration, business and industry, farm services agency, municipal, government guarantee, and installment loans, as well as loans supported by single-family residential real estate, commercial real estate financing, and lines of credit. In addition, the company provides debit and credit cards, merchant, online and mobile banking, remote electronic deposit, bill payment, treasury management, and cash management services. It operates through seven full-service offices located in Aptos, Capitola, Cupertino, Monterey, Santa Cruz, Scotts Valley, and Watsonville; and two ATMs and night depository kiosks. Santa Cruz County Bank was incorporated in 2003 and is based in Santa Cruz, California.

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MOConsumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

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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.