HomeCompareTFC vs MOS

TFC vs MOS: Dividend Comparison 2026

TFC yields 4.66% · MOS yields 3.52%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $930.00M in total portfolio value
10 years
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 →
MOS
MOS
● Live price
3.52%
Share price
$24.98
Annual div
$0.88
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$930.05M
Annual income
$881,952,038.58
Full MOS calculator →

Portfolio growth — TFC vs MOS

📍 MOS pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodTFCMOS
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%.
📅

Dividend Calendar Overlap

Combined, TFC + MOS cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

TFC
Annual income on $10K today (after 15% tax)
$396.06/yr
After 10yr DRIP, annual income (after tax)
$3,597.79/yr
MOS
Annual income on $10K today (after 15% tax)
$299.44/yr
After 10yr DRIP, annual income (after tax)
$749,659,232.79/yr
At 15% tax rate, MOS beats the other by $749,655,635.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TFC: 50%MOS: 50%
100% MOS50/50100% TFC
Portfolio after 10yr
$465.04M
Annual income
$440,978,135.64/yr
Blended yield
94.83%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on TFC right now

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
MOS
Analyst Ratings
15
Buy
27
Hold
7
Sell
Consensus: Hold
Price Target
$33.80
+35.3% upside vs current
Range: $27.00 — $44.00
Altman Z
2.0
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)

TFC buys
0
MOS buys
0
No recent congressional trades found for TFC or MOS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTFCMOS
Forward yield4.66%3.52%
Annual dividend / share$2.08$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR16.9%100%
Portfolio after 10y$41.7K$930.05M
Annual income after 10y$4,232.70$881,952,038.58
Total dividends collected$18.0K$926.56M
Payment frequencyquarterlyquarterly
SectorFinancialsMaterials
Analyst consensusBuyHold
Analyst price target$58.50$33.80

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

YearTFC PortfolioTFC Income/yrMOS PortfolioMOS Income/yrGap
1← crossover$11,245$544.70$11,405$704.56$160.00MOS
2$12,701$669.16$13,705$1,501.91$1.0KMOS
3$14,416$825.76$18,038$3,373.54$3.6KMOS
4$16,449$1,023.96$27,600$8,299.26$11.2KMOS
5$18,877$1,276.48$53,268$23,735.99$34.4KMOS
6$21,799$1,600.43$142,624$85,627.61$120.8KMOS
7$25,344$2,019.14$581,146$428,538.38$555.8KMOS
8$29,682$2,564.71$3,885,667$3,263,840.61$3.86MMOS
9$35,042$3,281.70$44,947,834$40,790,171.07$44.91MMOS
10$41,727$4,232.70$930,046,221$881,952,038.58$930.00MMOS

TFC vs MOS: Complete Analysis 2026

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 →

MOSMaterials

The Mosaic Company, through its subsidiaries, produces and markets concentrated phosphate and potash crop nutrients in North America and internationally. The company operates through three segments: Phosphates, Potash, and Mosaic Fertilizantes. It owns and operates mines, which produce concentrated phosphate crop nutrients, such as diammonium phosphate, monoammonium phosphate, and ammoniated phosphate products; and phosphate-based animal feed ingredients primarily under the Biofos and Nexfos brand names, as well as produces a double sulfate of potash magnesia product under K-Mag brand name. The company also produces and sells potash for use in the manufacturing of mixed crop nutrients and animal feed ingredients, and for industrial use; and for use in the de-icing and as a water softener regenerant. In addition, it provides nitrogen-based crop nutrients, animal feed ingredients, and other ancillary services; and purchases and sells phosphates, potash, and nitrogen products. The company sells its products to wholesale distributors, retail chains, farmers, cooperatives, independent retailers, and national accounts. The Mosaic Company was incorporated in 2004 and is headquartered in Tampa, Florida.

Full MOS Calculator →
📬

Get this TFC vs MOS comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

TFC vs SCHDTFC vs JEPITFC vs OTFC vs KOTFC vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.