HomeCompareSJW vs TFC

SJW vs TFC: Dividend Comparison 2026

SJW yields 2.99% · TFC yields 4.66%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SJW wins by $11.7K in total portfolio value· pulled ahead in Year 7
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 →
TFC
TFC
● Live price
4.66%
Share price
$44.64
Annual div
$2.08
5Y div CAGR
16.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$41.7K
Annual income
$4,232.70
Full TFC calculator →

Portfolio growth — SJW vs TFC

📍 SJW pulled ahead of the other in Year 7

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 PeriodSJWTFC
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 + TFC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
TFC 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
TFC
Annual income on $10K today (after 15% tax)
$396.06/yr
After 10yr DRIP, annual income (after tax)
$3,597.79/yr
At 15% tax rate, SJW beats the other by $4,720.76/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%TFC: 50%
100% TFC50/50100% SJW
Portfolio after 10yr
$47.6K
Annual income
$7,009.61/yr
Blended yield
14.74%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on TFC 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
TFC
Analyst Ratings
33
Buy
19
Hold
2
Sell
Consensus: Buy
Price Target
$58.50
+31.0% upside vs current
Range: $53.00 — $69.00
Altman Z
0.1
Piotroski
8/9
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
TFC buys
0
No recent congressional trades found for SJW or TFC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWTFC
Forward yield2.99%4.66%
Annual dividend / share$1.64$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%16.9%
Portfolio after 10y$53.4K$41.7K
Annual income after 10y$9,786.53$4,232.70
Total dividends collected$29.2K$18.0K
Payment frequencyquarterlyquarterly
SectorUtilitiesFinancials
Analyst consensusHoldBuy
Analyst price target$72.75$58.50

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

YearSJW PortfolioSJW Income/yrTFC PortfolioTFC Income/yrGap
1$11,091$391.32$11,245$544.70$154.00TFC
2$12,399$530.97$12,701$669.16$302.00TFC
3$13,993$726.13$14,416$825.76$423.00TFC
4$15,975$1,002.53$16,449$1,023.96$474.00TFC
5$18,493$1,400.18$18,877$1,276.48$384.00TFC
6$21,771$1,982.98$21,799$1,600.43$28.00TFC
7← crossover$26,150$2,855.84$25,344$2,019.14+$806.00SJW
8$32,178$4,196.60$29,682$2,564.71+$2.5KSJW
9$40,747$6,317.25$35,042$3,281.70+$5.7KSJW
10$53,386$9,786.53$41,727$4,232.70+$11.7KSJW

SJW vs TFC: 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 →

TFCFinancials

Truist Financial Corporation, a holding company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; automobile lending; bankcard lending; consumer finance; home equity and mortgage lending; insurance, such as property and casualty, life, health, employee benefits, workers compensation and professional liability, surety coverage, title, and other insurance products; investment brokerage; mobile/online banking; and payment, lease financing, small business lending, and wealth management/private banking services. In addition, it offers association, capital market, institutional trust, insurance premium and commercial finance, international banking, leasing, merchant, commercial deposit and treasury, government finance, commercial middle market lending, small business and student lending, floor plan and commercial mortgage lending, mortgage warehouse lending, private equity investment, real estate lending, and supply chain financing services. Further, the company provides corporate and investment banking, retail and wholesale brokerage, securities underwriting, and investment advisory services. As of December 31, 2021, the company operated through 2,517 banking offices. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.

Full TFC 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.