HomeCompareSJW vs VLO

SJW vs VLO: Dividend Comparison 2026

SJW yields 2.99% · VLO yields 1.83%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SJW wins by $27.2K 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 →
VLO
VLO
● Live price
1.83%
Share price
$250.27
Annual div
$4.59
5Y div CAGR
15.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.2K
Annual income
$1,007.75
Full VLO calculator →

Portfolio growth — SJW vs VLO

📍 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 PeriodSJWVLO
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 + VLO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SJW pays
VLO 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
VLO
Annual income on $10K today (after 15% tax)
$155.89/yr
After 10yr DRIP, annual income (after tax)
$856.59/yr
At 15% tax rate, SJW beats the other by $7,461.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SJW: 50%VLO: 50%
100% VLO50/50100% SJW
Portfolio after 10yr
$39.8K
Annual income
$5,397.13/yr
Blended yield
13.57%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on VLO 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
VLO
Analyst Ratings
1
Strong
20
Buy
16
Hold
Consensus: Buy
Price Target
$193.75
-22.6% upside vs current
Range: $169.00 — $220.00
Altman Z
5.6
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
VLO buys
0
No recent congressional trades found for SJW or VLO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSJWVLO
Forward yield2.99%1.83%
Annual dividend / share$1.64$4.59
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.9%15.7%
Portfolio after 10y$53.4K$26.2K
Annual income after 10y$9,786.53$1,007.75
Total dividends collected$29.2K$5.2K
Payment frequencyquarterlyquarterly
SectorUtilitiesEnergy
Analyst consensusHoldBuy
Analyst price target$72.75$193.75

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

YearSJW PortfolioSJW Income/yrVLO PortfolioVLO Income/yrGap
1← crossover$11,091$391.32$10,912$212.20+$179.00SJW
2$12,399$530.97$11,926$250.38+$473.00SJW
3$13,993$726.13$13,057$295.90+$936.00SJW
4$15,975$1,002.53$14,321$350.30+$1.7KSJW
5$18,493$1,400.18$15,739$415.45+$2.8KSJW
6$21,771$1,982.98$17,335$493.71+$4.4KSJW
7$26,150$2,855.84$19,136$587.97+$7.0KSJW
8$32,178$4,196.60$21,178$701.85+$11.0KSJW
9$40,747$6,317.25$23,500$839.87+$17.2KSJW
10$53,386$9,786.53$26,153$1,007.75+$27.2KSJW

SJW vs VLO: 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 →

VLOEnergy

Valero Energy Corporation manufactures, markets, and sells transportation fuels and petrochemical products in the United States, Canada, the United Kingdom, Ireland, and internationally. The company operates through three segments: Refining, Renewable Diesel, and Ethanol. It produces conventional, premium, and reformulated gasolines; gasoline meeting the specifications of the California Air Resources Board (CARB); diesel fuels, and low-sulfur and ultra-low-sulfur diesel fuels; CARB diesel; other distillates; jet fuels; blendstocks; and asphalts, petrochemicals, lubricants, and other refined petroleum products, as well as sells lube oils and natural gas liquids. As of December 31, 2021, the company owned 15 petroleum refineries with a combined throughput capacity of approximately 3.2 million barrels per day; and 12 ethanol plants with a combined ethanol production capacity of approximately 1.6 billion gallons per year. It sells its refined products through wholesale rack and bulk markets; and through approximately 7,000 outlets under the Valero, Beacon, Diamond Shamrock, Shamrock, Ultramar, and Texaco brands. The company also produces and sells ethanol, dry distiller grains, syrup, and inedible corn oil primarily to animal feed customers. In addition, it owns and operates crude oil and refined petroleum products pipelines, terminals, tanks, marine docks, truck rack bays, and other logistics assets; and owns and operates a plant that processes animal fats, used cooking oils, and inedible distillers corn oils into renewable diesel. The company was formerly known as Valero Refining and Marketing Company and changed its name to Valero Energy Corporation in August 1997. Valero Energy Corporation was founded in 1980 and is headquartered in San Antonio, Texas.

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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.