HomeCompareSCZC vs PEP

SCZC vs PEP: Dividend Comparison 2026

SCZC yields 0.94% · PEP yields 3.66%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCZC wins by $3.60M 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 →
PEP
PepsiCo Inc.
● Live price
3.66%
Share price
$155.29
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$144.7K
Annual income
$63,430.49
Full PEP calculator →

Portfolio growth — SCZC vs PEP

📍 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 PeriodSCZCPEP
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 + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SCZC pays
PEP 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
PEP
Annual income on $10K today (after 15% tax)
$311.45/yr
After 10yr DRIP, annual income (after tax)
$53,915.92/yr
At 15% tax rate, SCZC beats the other by $2,587,401.16/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCZC: 50%PEP: 50%
100% PEP50/50100% SCZC
Portfolio after 10yr
$1.94M
Annual income
$1,585,431.18/yr
Blended yield
81.59%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

SCZC
No analyst data
Altman Z
0.3
Piotroski
3/9
PEP
Analyst Ratings
1
Strong
15
Buy
28
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+11.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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
PEP buys
0
No recent congressional trades found for SCZC or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCZCPEP
Forward yield0.94%3.66%
Annual dividend / share$0.39$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%40.4%
Portfolio after 10y$3.74M$144.7K
Annual income after 10y$3,107,431.86$63,430.49
Total dividends collected$3.67M$125.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearSCZC PortfolioSCZC Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$10,888$188.24$10,854$514.44+$34.00SCZC
2$12,034$383.11$11,982$758.21+$52.00SCZC
3$13,667$791.42$13,526$1,136.44+$141.00SCZC
4$16,304$1,680.13$15,727$1,741.93+$577.00SCZC
5$21,192$3,746.32$19,012$2,750.28+$2.2KSCZC
6$31,777$9,101.65$24,173$4,514.44+$7.6KSCZC
7$59,511$25,509.97$32,789$7,793.80+$26.7KSCZC
8$152,975$89,298.48$48,258$14,354.51+$104.7KSCZC
9$592,739$429,055.47$78,586$28,686.63+$514.2KSCZC
10$3,741,663$3,107,431.86$144,688$63,430.49+$3.60MSCZC

SCZC vs PEP: 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.

Full SCZC Calculator →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.