HomeCompareSJW vs RF

SJW vs RF: Dividend Comparison 2026

SJW yields 2.99% · RF yields 4.14%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RF wins by $1.16M 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 →
RF
RF
● Live price
4.14%
Share price
$25.24
Annual div
$1.05
5Y div CAGR
57.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.21M
Annual income
$806,474.51
Full RF calculator →

Portfolio growth — SJW vs RF

📍 RF 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 PeriodSJWRF
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 + RF cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
RF 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
RF
Annual income on $10K today (after 15% tax)
$351.92/yr
After 10yr DRIP, annual income (after tax)
$685,503.33/yr
At 15% tax rate, RF beats the other by $677,184.78/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%RF: 50%
100% RF50/50100% SJW
Portfolio after 10yr
$633.9K
Annual income
$408,130.51/yr
Blended yield
64.38%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on RF 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
RF
Analyst Ratings
22
Buy
26
Hold
4
Sell
Consensus: Hold
Price Target
$29.89
+18.4% upside vs current
Range: $27.00 — $32.00
Altman Z
-0.4
Piotroski
9/9
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
RF buys
0
No recent congressional trades found for SJW or RF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWRF
Forward yield2.99%4.14%
Annual dividend / share$1.64$1.05
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%57.5%
Portfolio after 10y$53.4K$1.21M
Annual income after 10y$9,786.53$806,474.51
Total dividends collected$29.2K$1.15M
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusHoldHold
Analyst price target$72.75$29.89

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

YearSJW PortfolioSJW Income/yrRF PortfolioRF Income/yrGap
1← crossover$11,091$391.32$11,352$652.09$261.00RF
2$12,399$530.97$13,236$1,089.63$837.00RF
3$13,993$726.13$16,033$1,870.12$2.0KRF
4$15,975$1,002.53$20,490$3,334.37$4.5KRF
5$18,493$1,400.18$28,196$6,272.35$9.7KRF
6$21,771$1,982.98$42,875$12,705.28$21.1KRF
7$26,150$2,855.84$74,314$28,437.81$48.2KRF
8$32,178$4,196.60$152,070$72,553.49$119.9KRF
9$40,747$6,317.25$381,252$218,537.12$340.5KRF
10$53,386$9,786.53$1,214,414$806,474.51$1.16MRF

SJW vs RF: 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 →

RFFinancials

Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. The company also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. As of March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama.

Full RF 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.