HomeCompareSTXB vs CL

STXB vs CL: Dividend Comparison 2026

STXB yields 2.74% · CL yields 2.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $17.2K in total portfolio value
10 years
STXB
STXB
● Live price
2.74%
Share price
$25.55
Annual div
$0.70
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.8K
Annual income
$326.92
Full STXB calculator →
CL
CL
● Live price
2.44%
Share price
$85.23
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$41.0K
Annual income
$5,451.69
Full CL calculator →

Portfolio growth — STXB vs CL

📍 CL 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 PeriodSTXBCL
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, STXB + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

STXB
Annual income on $10K today (after 15% tax)
$232.88/yr
After 10yr DRIP, annual income (after tax)
$277.88/yr
CL
Annual income on $10K today (after 15% tax)
$207.44/yr
After 10yr DRIP, annual income (after tax)
$4,633.94/yr
At 15% tax rate, CL beats the other by $4,356.05/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

STXB: 50%CL: 50%
100% CL50/50100% STXB
Portfolio after 10yr
$32.4K
Annual income
$2,889.31/yr
Blended yield
8.92%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

STXB
No analyst data
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+8.5% 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)

STXB buys
0
CL buys
0
No recent congressional trades found for STXB or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSTXBCL
Forward yield2.74%2.44%
Annual dividend / share$0.70$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%28.6%
Portfolio after 10y$23.8K$41.0K
Annual income after 10y$326.92$5,451.69
Total dividends collected$3.0K$18.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearSTXB PortfolioSTXB Income/yrCL PortfolioCL Income/yrGap
1← crossover$10,974$273.97$11,014$313.84$40.00CL
2$12,023$280.99$12,200$415.44$177.00CL
3$13,152$287.71$13,607$553.09$455.00CL
4$14,367$294.15$15,301$741.41$934.00CL
5$15,673$300.29$17,374$1,002.00$1.7KCL
6$17,077$306.16$19,958$1,367.44$2.9KCL
7$18,584$311.75$23,243$1,887.87$4.7KCL
8$20,202$317.07$27,512$2,642.43$7.3KCL
9$21,938$322.12$33,197$3,759.22$11.3KCL
10$23,800$326.92$40,973$5,451.69$17.2KCL

STXB vs CL: Complete Analysis 2026

STXBStock

Spirit of Texas Bancshares, Inc. operates as the bank holding company for Spirit of Texas Bank SSB that provides various commercial and retail banking services. It offers checking, money market, savings, and individual retirement accounts, as well as various certificates of deposit. The company also provides commercial and industrial loans; 1-4 single family residential real estate loans; construction, land, and development loans; commercial real estate loans, such as owner and nonowner-occupied commercial real estate loans, multifamily loans, and farmland loans; consumer loans and leases; and municipal and other loans. In addition, it offers a range of ancillary banking services, including treasury management services, consumer and commercial online banking services, mobile applications, safe deposit boxes, wire transfer services, debit cards, and ATM access. Further, it provides credit card processing and co-branded credit card services; and invests in U.S. Treasury bills and notes, as well as in securities of federally sponsored agencies, such as Federal Home Loan Bank bonds. As of February 26, 2022, it had 35 locations in the Houston, Dallas/Fort Worth, Bryan/College Station, Austin, San Antonio-New Braunfels, Corpus Christi, Austin, and Tyler metropolitan areas, as well as offices in North Central and South Texas. The company serves individuals, professionals, small and medium-sized businesses, and commercial companies. Spirit of Texas Bancshares, Inc. was incorporated in 2008 and is headquartered in Conroe, Texas.

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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.

Full CL 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.