HomeCompareSJW vs MMM

SJW vs MMM: Dividend Comparison 2026

SJW yields 2.99% · MMM yields 2.08%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SJW wins by $33.4K 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 →
MMM
MMM
● Live price
2.08%
Share price
$142.52
Annual div
$2.97
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.0K
Annual income
$0.21
Full MMM calculator →

Portfolio growth — SJW vs MMM

📍 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 PeriodSJWMMM
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 + MMM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
MMM 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
MMM
Annual income on $10K today (after 15% tax)
$177.13/yr
After 10yr DRIP, annual income (after tax)
$0.18/yr
At 15% tax rate, SJW beats the other by $8,318.37/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%MMM: 50%
100% MMM50/50100% SJW
Portfolio after 10yr
$36.7K
Annual income
$4,893.36/yr
Blended yield
13.33%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MMM 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
MMM
Analyst Ratings
15
Buy
17
Hold
1
Sell
Consensus: Hold
Price Target
$169.50
+18.9% upside vs current
Range: $136.00 — $190.00
Altman Z
4.1
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)

SJW buys
0
MMM buys
0
No recent congressional trades found for SJW or MMM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWMMM
Forward yield2.99%2.08%
Annual dividend / share$1.64$2.97
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%-50%
Portfolio after 10y$53.4K$20.0K
Annual income after 10y$9,786.53$0.21
Total dividends collected$29.2K$210.00
Payment frequencyquarterlyquarterly
SectorUtilitiesIndustrials
Analyst consensusHoldHold
Analyst price target$72.75$169.50

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

YearSJW PortfolioSJW Income/yrMMM PortfolioMMM Income/yrGap
1← crossover$11,091$391.32$10,804$104.20+$287.00SJW
2$12,399$530.97$11,613$52.61+$786.00SJW
3$13,993$726.13$12,452$26.42+$1.5KSJW
4$15,975$1,002.53$13,337$13.24+$2.6KSJW
5$18,493$1,400.18$14,278$6.63+$4.2KSJW
6$21,771$1,982.98$15,280$3.31+$6.5KSJW
7$26,150$2,855.84$16,352$1.66+$9.8KSJW
8$32,178$4,196.60$17,497$0.83+$14.7KSJW
9$40,747$6,317.25$18,722$0.41+$22.0KSJW
10$53,386$9,786.53$20,033$0.21+$33.4KSJW

SJW vs MMM: 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 →

MMMIndustrials

3M Company operates as a diversified technology company worldwide. It operates through four segments: Safety and Industrial; Transportation and Electronics; Health Care; and Consumer. The Safety and Industrial segment offers industrial abrasives and finishing for metalworking applications; autobody repair solutions; closure systems for personal hygiene products, masking, and packaging materials; electrical products and materials for construction and maintenance, power distribution, and electrical original equipment manufacturers; structural adhesives and tapes; respiratory, hearing, eye, and fall protection solutions; and natural and color-coated mineral granules for shingles. The Transportation and Electronics segment provides ceramic solutions; attachment tapes, films, sound, and temperature management for transportation vehicles; premium large format graphic films for advertising and fleet signage; light management films and electronics assembly solutions; packaging and interconnection solutions; and reflective signage for highway, and vehicle safety. The Healthcare segment offers food safety indicator solutions; health care procedure coding and reimbursement software; skin, wound care, and infection prevention products and solutions; dentistry and orthodontia solutions; and filtration and purification systems. The Consumer segment provides consumer bandages, braces, supports and consumer respirators; cleaning products for the home; retail abrasives, paint accessories, car care DIY products, picture hanging, and consumer air quality solutions; and stationery products. It offers its products through e-commerce and traditional wholesalers, retailers, jobbers, distributors, and dealers. The company was founded in 1902 and is based in St. Paul, Minnesota.

Full MMM 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.