HomeCompareSJW vs CINF

SJW vs CINF: Dividend Comparison 2026

SJW yields 2.99% · CINF yields 2.27%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CINF wins by $31.4K in total portfolio value· pulled ahead in Year 5
10 years
SJW
SJW
● Live price
2.99%
Share price
$54.86
Annual div
$1.64
5Y div CAGR
30.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.4K
Annual income
$9,786.53
Full SJW calculator →
CINF
CINF
● Live price
2.27%
Share price
$156.42
Annual div
$3.55
5Y div CAGR
44.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$84.7K
Annual income
$26,110.98
Full CINF calculator →

Portfolio growth — SJW vs CINF

📍 CINF pulled ahead of the other in Year 5

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 PeriodSJWCINF
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, SJW + CINF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SJW
Annual income on $10K today (after 15% tax)
$254.10/yr
After 10yr DRIP, annual income (after tax)
$8,318.55/yr
CINF
Annual income on $10K today (after 15% tax)
$192.91/yr
After 10yr DRIP, annual income (after tax)
$22,194.33/yr
At 15% tax rate, CINF beats the other by $13,875.78/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SJW + CINF for your $10,000?

SJW: 50%CINF: 50%
100% CINF50/50100% SJW
Portfolio after 10yr
$69.1K
Annual income
$17,948.75/yr
Blended yield
25.99%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CINF right now

SJW
Analyst Ratings
5
Buy
6
Hold
Consensus: Hold
Price Target
$72.75
+32.6% upside vs current
Range: $57.00 — $85.00
Altman Z
2.7
Piotroski
5/9
CINF
Analyst Ratings
9
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$166.00
+6.1% upside vs current
Range: $157.00 — $175.00
Altman Z
1.9
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)

SJW buys
0
CINF buys
0
No recent congressional trades found for SJW or CINF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWCINF
Forward yield2.99%2.27%
Annual dividend / share$1.64$3.55
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%44.1%
Portfolio after 10y$53.4K$84.7K
Annual income after 10y$9,786.53$26,110.98
Total dividends collected$29.2K$58.9K
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusHoldBuy
Analyst price target$72.75$166.00

Year-by-year: SJW vs CINF ($10,000, DRIP)

YearSJW PortfolioSJW Income/yrCINF PortfolioCINF Income/yrGap
1$11,091$391.32$11,027$327.04+$64.00SJW
2$12,399$530.97$12,285$485.67+$114.00SJW
3$13,993$726.13$13,873$728.65+$120.00SJW
4$15,975$1,002.53$15,952$1,108.20+$23.00SJW
5← crossover$18,493$1,400.18$18,785$1,716.13$292.00CINF
6$21,771$1,982.98$22,822$2,721.57$1.1KCINF
7$26,150$2,855.84$28,872$4,452.79$2.7KCINF
8$32,178$4,196.60$38,480$7,586.48$6.3KCINF
9$40,747$6,317.25$54,790$13,616.74$14.0KCINF
10$53,386$9,786.53$84,736$26,110.98$31.4KCINF

SJW vs CINF: Complete Analysis 2026

SJWUtilities

SJW Group, through its subsidiaries, provides water utility services in the United States. It engages in the production, purchase, storage, purification, distribution, wholesale, and retail sale of water and wastewater services. The company also provides non-tariffed services, including water system operations, maintenance agreements, and antenna site leases; contracted services and sewer operations to water utilities; and a Linebacker protection plan for public drinking water customers in Connecticut and Maine. Its water supply consists of groundwater from wells, surface water from watershed run-off and diversion, reclaimed water, and imported water purchased from the Santa Clara Valley Water District. The company offers water service to approximately 231,000 connections that serve approximately one million people residing in portions of the cities of San Jose and Cupertino, as well as in the cities of Campbell, Monte Sereno, Saratoga, and the Town of Los Gatos; and adjacent unincorporated territories in the County of Santa Clara in the State of California. In addition, it provides water service to approximately 140,000 connections, which serve approximately 456,000 people in 81 municipalities with a service area comprising approximately 269 square miles throughout Connecticut and Maine, as well as approximately 24,000 connections that serve approximately 70,000 people in a service area comprising approximately 266 square miles in the region between San Antonio and Austin, Texas; and approximately 3,000 wastewater connections in Southbury, Connecticut. Further, the company owns undeveloped land in California and Tennessee; and owns and operates commercial buildings and warehouse properties in Tennessee. The company was formerly known as SJW Corp. and changed its name to SJW Group in November 2016. SJW Group was incorporated in 1985 and is headquartered in San Jose, California.

Full SJW Calculator →

CINFFinancials

Cincinnati Financial Corporation, together with its subsidiaries, provides property casualty insurance products in the United States. The company operates through five segments: Commercial Lines Insurance, Personal Lines Insurance, Excess and Surplus Lines Insurance, Life Insurance, and Investments. The Commercial Lines Insurance segment offers coverage for commercial casualty, commercial property, commercial auto, and workers' compensation. It also provides director and officer liability insurance, contract and commercial surety bonds, and fidelity bonds; and machinery and equipment coverage. The Personal Lines Insurance segment offers personal auto insurance; homeowner insurance; and dwelling fire, inland marine, personal umbrella liability, and watercraft coverages to individuals. The Excess and Surplus Lines Insurance segment offers commercial casualty insurance that covers businesses for third-party liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products; and commercial property insurance, which insures buildings, inventory, equipment, and business income from loss or damage due to various causes, such as fire, wind, hail, water, theft, and vandalism. The Life Insurance segment provides term life insurance products; universal life insurance products; worksite products, such as term life; and whole life insurance products. The Investments segment invests in fixed-maturity investments, including taxable and tax-exempt bonds, and redeemable preferred stocks; and equity investments comprising common and nonredeemable preferred stocks. The company also offers commercial leasing and financing services; and insurance brokerage services. Cincinnati Financial Corporation was founded in 1950 and is headquartered in Fairfield, Ohio.

Full CINF 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.