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SJW vs MS: Dividend Comparison 2026

SJW yields 2.99% · MS yields 2.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MS wins by $167.38M 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 →
MS
MS
● Live price
2.48%
Share price
$158.32
Annual div
$3.93
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$167.43M
Annual income
$155,391,640.16
Full MS calculator →

Portfolio growth — SJW vs MS

📍 MS 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 PeriodSJWMS
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 + MS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
MS 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
MS
Annual income on $10K today (after 15% tax)
$210.73/yr
After 10yr DRIP, annual income (after tax)
$132,082,894.14/yr
At 15% tax rate, MS beats the other by $132,074,575.59/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%MS: 50%
100% MS50/50100% SJW
Portfolio after 10yr
$83.74M
Annual income
$77,700,713.34/yr
Blended yield
92.78%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MS 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
MS
Analyst Ratings
27
Buy
24
Hold
Consensus: Buy
Price Target
$196.00
+23.8% upside vs current
Range: $165.00 — $220.00
Altman Z
0.4
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
MS buys
0
No recent congressional trades found for SJW or MS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWMS
Forward yield2.99%2.48%
Annual dividend / share$1.64$3.93
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%100%
Portfolio after 10y$53.4K$167.43M
Annual income after 10y$9,786.53$155,391,640.16
Total dividends collected$29.2K$166.51M
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusHoldBuy
Analyst price target$72.75$196.00

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

YearSJW PortfolioSJW Income/yrMS PortfolioMS Income/yrGap
1← crossover$11,091$391.32$11,196$495.85$105.00MS
2$12,399$530.97$13,017$1,037.65$618.00MS
3$13,993$726.13$16,183$2,255.06$2.2KMS
4$15,975$1,002.53$22,557$5,240.32$6.6KMS
5$18,493$1,400.18$37,788$13,652.33$19.3KMS
6$21,771$1,982.98$83,183$42,749.57$61.4KMS
7$26,150$2,855.84$264,902$175,896.68$238.8KMS
8$32,178$4,196.60$1,330,469$1,047,023.74$1.30MMS
9$40,747$6,317.25$11,252,891$9,829,288.79$11.21MMS
10$53,386$9,786.53$167,432,233$155,391,640.16$167.38MMS

SJW vs MS: 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 →

MSFinancials

Morgan Stanley, a financial holding company, provides various financial products and services to corporations, governments, financial institutions, and individuals in the Americas, Europe, the Middle East, Africa, and Asia. It operates through Institutional Securities, Wealth Management, and Investment Management segments. The Institutional Securities segment offers capital raising and financial advisory services, including services related to the underwriting of debt, equity, and other securities, as well as advice on mergers and acquisitions, restructurings, real estate, and project finance. This segment also provides sales and trading services, such as sales, financing, prime brokerage, and market-making services in equity and fixed income products consisting of foreign exchange and commodities; corporate and commercial real estate loans, which provides secured lending facilities and financing for sales and trading customers, and asset-backed and mortgage lending; and wealth management services, investment, and research services. The Wealth Management segment offers financial advisor-led brokerage and investment advisory services; self-directed brokerage services; financial and wealth planning services; workplace services, including stock plan administration; annuity and insurance products; securities-based lending, residential real estate loans, and other lending products; banking; and retirement plan services to individual investors and small to medium-sized businesses and institutions. The Investment Management segment provides equity, fixed income, liquidity, and alternative/other products to benefit/defined contribution plans, foundations, endowments, government entities, sovereign wealth funds, insurance companies, and third-party fund sponsors and corporations through institutional and intermediary channels. Morgan Stanley was founded in 1924 and is headquartered in New York, New York.

Full MS 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.