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SJW vs IBM: Dividend Comparison 2026

SJW yields 2.99% · IBM yields 2.83%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SJW wins by $25.6K in total portfolio value· pulled ahead in Year 2
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 →
IBM
International Business Machines
● Live price
2.83%
Share price
$237.25
Annual div
$6.72
5Y div CAGR
3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$463.53
Full IBM calculator →

Portfolio growth — SJW vs IBM

📍 SJW pulled ahead of the other in Year 2

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 PeriodSJWIBM
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, SJW + IBM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
IBM 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
IBM
Annual income on $10K today (after 15% tax)
$240.76/yr
After 10yr DRIP, annual income (after tax)
$394.00/yr
At 15% tax rate, SJW beats the other by $7,924.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%IBM: 50%
100% IBM50/50100% SJW
Portfolio after 10yr
$40.6K
Annual income
$5,125.02/yr
Blended yield
12.63%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on IBM 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
IBM
Analyst Ratings
1
Strong
20
Buy
24
Hold
4
Sell
Consensus: Hold
Price Target
$349.50
+47.3% upside vs current
Range: $304.00 — $380.00
Altman Z
3.2
Piotroski
5/9
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
IBM buys
0
No recent congressional trades found for SJW or IBM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWIBM
Forward yield2.99%2.83%
Annual dividend / share$1.64$6.72
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%3%
Portfolio after 10y$53.4K$27.7K
Annual income after 10y$9,786.53$463.53
Total dividends collected$29.2K$3.7K
Payment frequencyquarterlyquarterly
SectorUtilitiesTechnology
Analyst consensusHoldHold
Analyst price target$72.75$349.50

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

YearSJW PortfolioSJW Income/yrIBM PortfolioIBM Income/yrGap
1$11,091$391.32$11,132$291.74$41.00IBM
2← crossover$12,399$530.97$12,375$308.58+$24.00SJW
3$13,993$726.13$13,741$325.97+$252.00SJW
4$15,975$1,002.53$15,239$343.91+$736.00SJW
5$18,493$1,400.18$16,882$362.40+$1.6KSJW
6$21,771$1,982.98$18,681$381.46+$3.1KSJW
7$26,150$2,855.84$20,651$401.10+$5.5KSJW
8$32,178$4,196.60$22,807$421.31+$9.4KSJW
9$40,747$6,317.25$25,165$442.12+$15.6KSJW
10$53,386$9,786.53$27,743$463.53+$25.6KSJW

SJW vs IBM: 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 →

IBMTechnology

International Business Machines Corporation provides integrated solutions and services worldwide. The company operates through four business segments: Software, Consulting, Infrastructure, and Financing. The Software segment offers hybrid cloud platform and software solutions, such as Red Hat, an enterprise open-source solutions; software for business automation, AIOps and management, integration, and application servers; data and artificial intelligence solutions; and security software and services for threat, data, and identity. This segment also provides transaction processing software that supports clients' mission-critical and on-premise workloads in banking, airlines, and retail industries. The Consulting segment offers business transformation services, including strategy, business process design and operations, data and analytics, and system integration services; technology consulting services; and application and cloud platform services. The Infrastructure segment provides on-premises and cloud-based server and storage solutions for its clients' mission-critical and regulated workloads; and support services and solutions for hybrid cloud infrastructure, as well as remanufacturing and remarketing services for used equipment. The Financing segment offers lease, installment payment, loan financing, and short-term working capital financing services. The company was formerly known as Computing-Tabulating-Recording Co. International Business Machines Corporation was incorporated in 1911 and is headquartered in Armonk, New York.

Full IBM 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.