HomeCompareSJW vs CL

SJW vs CL: Dividend Comparison 2026

SJW yields 2.99% · CL yields 2.43%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SJW wins by $12.6K in total portfolio value
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 →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — SJW vs CL

📍 SJW 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 PeriodSJWCL
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 + CL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
CL 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
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, SJW beats the other by $3,726.88/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%CL: 50%
100% CL50/50100% SJW
Portfolio after 10yr
$47.1K
Annual income
$7,594.24/yr
Blended yield
16.13%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL 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
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
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
CL buys
0
No recent congressional trades found for SJW or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWCL
Forward yield2.99%2.43%
Annual dividend / share$1.64$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%28.6%
Portfolio after 10y$53.4K$40.8K
Annual income after 10y$9,786.53$5,401.96
Total dividends collected$29.2K$18.0K
Payment frequencyquarterlyquarterly
SectorUtilitiesConsumer Staples
Analyst consensusHoldHold
Analyst price target$72.75$92.45

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

YearSJW PortfolioSJW Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,091$391.32$11,012$312.01+$79.00SJW
2$12,399$530.97$12,196$412.95+$203.00SJW
3$13,993$726.13$13,599$549.66+$394.00SJW
4$15,975$1,002.53$15,288$736.64+$687.00SJW
5$18,493$1,400.18$17,353$995.28+$1.1KSJW
6$21,771$1,982.98$19,926$1,357.80+$1.8KSJW
7$26,150$2,855.84$23,194$1,873.82+$3.0KSJW
8$32,178$4,196.60$27,439$2,621.52+$4.7KSJW
9$40,747$6,317.25$33,088$3,727.38+$7.7KSJW
10$53,386$9,786.53$40,806$5,401.96+$12.6KSJW

SJW vs CL: 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.

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CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL 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.