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TFC vs WSO: Dividend Comparison 2026

TFC yields 4.66% · WSO yields 3.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 WSO wins by $1.97M 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 →
WSO
WSO
● Live price
3.44%
Share price
$348.91
Annual div
$12.00
5Y div CAGR
65%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$2.01M
Annual income
$1,453,019.57
Full WSO calculator →

Portfolio growth — TFC vs WSO

📍 WSO 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 PeriodTFCWSO
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, TFC + WSO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
TFC pays
WSO 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
WSO
Annual income on $10K today (after 15% tax)
$292.34/yr
After 10yr DRIP, annual income (after tax)
$1,235,066.63/yr
At 15% tax rate, WSO beats the other by $1,231,468.84/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TFC: 50%WSO: 50%
100% WSO50/50100% TFC
Portfolio after 10yr
$1.03M
Annual income
$728,626.13/yr
Blended yield
71.07%
📊

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
WSO
Analyst Ratings
8
Buy
16
Hold
2
Sell
Consensus: Hold
Price Target
$378.50
+8.5% upside vs current
Range: $349.00 — $425.00
Altman Z
10.0
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
WSO buys
0
No recent congressional trades found for TFC or WSO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTFCWSO
Forward yield4.66%3.44%
Annual dividend / share$2.08$12.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR16.9%65%
Portfolio after 10y$41.7K$2.01M
Annual income after 10y$4,232.70$1,453,019.57
Total dividends collected$18.0K$1.93M
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyHold
Analyst price target$58.50$378.50

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

YearTFC PortfolioTFC Income/yrWSO PortfolioWSO Income/yrGap
1← crossover$11,245$544.70$11,267$567.48$22.00WSO
2$12,701$669.16$13,042$986.00$341.00WSO
3$14,416$825.76$15,715$1,759.96$1.3KWSO
4$16,449$1,023.96$20,085$3,270.17$3.6KWSO
5$18,877$1,276.48$27,936$6,445.13$9.1KWSO
6$21,799$1,600.43$43,716$13,823.69$21.9KWSO
7$25,344$2,019.14$80,133$33,357.25$54.8KWSO
8$29,682$2,564.71$180,032$94,289.78$150.3KWSO
9$35,042$3,281.70$519,300$326,665.44$484.3KWSO
10$41,727$4,232.70$2,008,670$1,453,019.57$1.97MWSO

TFC vs WSO: 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.

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WSOStock

Watsco, Inc., together with its subsidiaries, distributes air conditioning, heating, refrigeration equipment, and related parts and supplies. The company distributes equipment comprising residential ducted and ductless air conditioners, such as gas, electric, and oil furnaces; commercial air conditioning and heating equipment systems; and other specialized equipment. It also offers parts, including replacement compressors, evaporator coils, motors, and other component parts; and supplies, such as thermostats, insulation materials, refrigerants, ductworks, grills, registers, sheet metals, tools, copper tubing, concrete pads, tapes, adhesives, and other ancillary supplies, as well as plumbing and bathroom remodeling supplies. The company serves contractors and dealers that service the replacement and new construction markets for residential and light commercial central air conditioning, heating, and refrigeration systems. As of December 31, 2021, it operated from 671 locations in the United States, Canada, Mexico, and Puerto Rico, as well as exports its products to Latin America and the Caribbean Basin. Watsco, Inc. was founded in 1945 and is headquartered in Miami, Florida.

Full WSO 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.