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SMMF vs PEP: Dividend Comparison 2026

SMMF yields 3.42% · PEP yields 3.69%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SMMF wins by $4.85M in total portfolio value
10 years
SMMF
SMMF
● Live price
3.42%
Share price
$25.70
Annual div
$0.88
5Y div CAGR
70.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.87M
Annual income
$3,834,032.16
Full SMMF calculator →
PEP
PepsiCo Inc.
● Live price
3.69%
Share price
$146.80
Annual div
$5.42
5Y div CAGR
6.7%
Payout ratio
72%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.5K
Annual income
$1,034.52
Full PEP calculator →

Portfolio growth — SMMF vs PEP

📍 SMMF 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 PeriodSMMFPEP
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, SMMF + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SMMF pays
PEP pays
Both pay
Neither
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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

SMMF
Annual income on $10K today (after 15% tax)
$291.05/yr
After 10yr DRIP, annual income (after tax)
$3,258,927.34/yr
PEP
Annual income on $10K today (after 15% tax)
$313.83/yr
After 10yr DRIP, annual income (after tax)
$879.34/yr
At 15% tax rate, SMMF beats the other by $3,258,047.99/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SMMF + PEP for your $10,000?

SMMF: 50%PEP: 50%
100% PEP50/50100% SMMF
Portfolio after 10yr
$2.45M
Annual income
$1,917,533.34/yr
Blended yield
78.40%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

SMMF
Analyst Ratings
2
Buy
1
Hold
Consensus: Buy
Altman Z
0.1
Piotroski
5/9
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+17.5% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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)

SMMF buys
0
PEP buys
0
No recent congressional trades found for SMMF or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSMMFPEP
Forward yield3.42%3.69%
Annual dividend / share$0.88$5.42
Payout ratio50%72%
1-year div growth0%7.1%
5-year div CAGR70.9%6.7%
Portfolio after 10y$4.87M$21.5K
Annual income after 10y$3,834,032.16$1,034.52
Total dividends collected$4.76M$6.6K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyHold

Year-by-year: SMMF vs PEP ($10,000, DRIP)

YearSMMF PortfolioSMMF Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$11,285$585.18$10,734$393.95+$551.00SMMF
2$13,130$1,054.77$11,535$436.36+$1.6KSMMF
3$16,009$1,960.06$12,411$483.90+$3.6KSMMF
4$20,947$3,817.09$13,371$537.26+$7.6KSMMF
5$30,390$7,977.05$14,422$597.26+$16.0KSMMF
6$51,002$18,484.84$15,578$664.81+$35.4KSMMF
7$104,121$49,548.55$16,848$740.97+$87.3KSMMF
8$272,971$161,561.50$18,248$826.99+$254.7KSMMF
9$968,589$676,510.17$19,793$924.28+$948.8KSMMF
10$4,870,422$3,834,032.16$21,500$1,034.52+$4.85MSMMF

SMMF vs PEP: Complete Analysis 2026

SMMFStock

Summit Financial Group, Inc. operates as a financial holding company for Summit Community Bank, Inc. that provides community banking and other financial services to individuals and businesses primarily in the Eastern Panhandle, Southern and North Central regions of West Virginia and the Northern, Shenandoah Valley, and Southwestern regions of Virginia, and the Central region of Kentucky. The company's community banking services include demand, savings, and time deposits; commercial, commercial real estate, construction and land development, residential real estate, and consumer loans; and mortgage warehouse lines of credit, as well as trust and wealth management, cash management, and insurance services. As of December 31, 2021, it operated through 45 banking offices. The company was incorporated in 1987 and is headquartered in Moorefield, West Virginia.

Full SMMF Calculator →

PEPConsumer Staples

PepsiCo is a Dividend King with 52+ consecutive years of increases. Its diversified portfolio spans beverages and snacks via brands including Pepsi, Gatorade, Lay's, and Quaker. Snack food exposure provides more stable volumes than pure beverages. International expansion in emerging markets drives long-term growth.

Full PEP 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.