HomeCompareSOMC vs CL

SOMC vs CL: Dividend Comparison 2026

SOMC yields 2.51% · CL yields 2.43%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SOMC wins by $18.6K in total portfolio value
10 years
SOMC
SOMC
● Live price
2.51%
Share price
$25.50
Annual div
$0.64
5Y div CAGR
36.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$59.5K
Annual income
$13,089.10
Full SOMC calculator →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — SOMC vs CL

📍 SOMC 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 PeriodSOMCCL
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, SOMC + CL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SOMC pays
CL pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

SOMC
Annual income on $10K today (after 15% tax)
$213.33/yr
After 10yr DRIP, annual income (after tax)
$11,125.74/yr
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, SOMC beats the other by $6,534.07/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SOMC + CL for your $10,000?

SOMC: 50%CL: 50%
100% CL50/50100% SOMC
Portfolio after 10yr
$50.1K
Annual income
$9,245.53/yr
Blended yield
18.44%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

SOMC
No analyst data
Altman Z
0.3
Piotroski
5/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
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)

SOMC buys
0
CL buys
0
No recent congressional trades found for SOMC or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSOMCCL
Forward yield2.51%2.43%
Annual dividend / share$0.64$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR36.3%28.6%
Portfolio after 10y$59.5K$40.8K
Annual income after 10y$13,089.10$5,401.96
Total dividends collected$35.0K$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: SOMC vs CL ($10,000, DRIP)

YearSOMC PortfolioSOMC Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,042$342.09$11,012$312.01+$30.00SOMC
2$12,296$481.17$12,196$412.95+$100.00SOMC
3$13,839$682.54$13,599$549.66+$240.00SOMC
4$15,787$978.57$15,288$736.64+$499.00SOMC
5$18,314$1,421.93$17,353$995.28+$961.00SOMC
6$21,697$2,101.24$19,926$1,357.80+$1.8KSOMC
7$26,387$3,171.09$23,194$1,873.82+$3.2KSOMC
8$33,147$4,912.57$27,439$2,621.52+$5.7KSOMC
9$43,328$7,860.87$33,088$3,727.38+$10.2KSOMC
10$59,450$13,089.10$40,806$5,401.96+$18.6KSOMC

SOMC vs CL: Complete Analysis 2026

SOMCStock

Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank & Trust that provides a range of commercial banking services to individuals, businesses, institutions, and governmental agencies primarily in the southwest Michigan communities. Its deposit products include interest and non-interest checking, savings, and various types of money market accounts; time, savings, and demand deposits; and certificates of deposit and IRAs. The company also provides home mortgages and equity loans, home equity line of credit, and auto/personal loans; business loans, such as lines of credit, term loans, commercial real estate loans, commercial and industrial loans, agriculture loans, letters of credit, small business administration loans, and capital access loans; industrial, construction, real estate, and inventory loans; and consumer lending products comprising direct and indirect loans to purchasers of residential real property and consumer goods. In addition, it offers trust and investment services that include investment management, trustee, IRA rollovers and retirement plan, institutional and personal custody, estate settlement, wealth management, estate and wealth transfer planning assistance, charitable gift planning assistance, and cash management custody services; and safe deposit box and automated teller machine services. Further, the company provides online and mobile banking, bill pay, e-statements, health savings account, ACH, wire transfer, remote deposit capture, insurance, and merchant services, as well as ATM, debit, credit, and gift cards. As of March 23, 2022, it operated 13 branches within Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties. The company was founded in 1871 and is based in Coldwater, Michigan.

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CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

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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.