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VBFC vs CL: Dividend Comparison 2026

VBFC yields 0.90% · CL yields 2.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CL wins by $20.0K in total portfolio value
10 years
VBFC
VBFC
● Live price
0.90%
Share price
$80.21
Annual div
$0.72
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.9K
Annual income
$95.15
Full VBFC 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 — VBFC 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 PeriodVBFCCL
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, VBFC + CL cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VBFC
Annual income on $10K today (after 15% tax)
$76.30/yr
After 10yr DRIP, annual income (after tax)
$80.88/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 $4,553.06/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VBFC: 50%CL: 50%
100% CL50/50100% VBFC
Portfolio after 10yr
$31.0K
Annual income
$2,773.43/yr
Blended yield
8.96%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

VBFC
No analyst data
Altman Z
0.2
Piotroski
4/9
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)

VBFC buys
0
CL buys
0
No recent congressional trades found for VBFC or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVBFCCL
Forward yield0.90%2.44%
Annual dividend / share$0.72$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%28.6%
Portfolio after 10y$20.9K$41.0K
Annual income after 10y$95.15$5,451.69
Total dividends collected$927.00$18.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearVBFC PortfolioVBFC Income/yrCL PortfolioCL Income/yrGap
1← crossover$10,790$89.76$11,014$313.84$224.00CL
2$11,636$90.52$12,200$415.44$564.00CL
3$12,541$91.23$13,607$553.09$1.1KCL
4$13,511$91.90$15,301$741.41$1.8KCL
5$14,549$92.52$17,374$1,002.00$2.8KCL
6$15,661$93.12$19,958$1,367.44$4.3KCL
7$16,851$93.67$23,243$1,887.87$6.4KCL
8$18,125$94.20$27,512$2,642.43$9.4KCL
9$19,488$94.69$33,197$3,759.22$13.7KCL
10$20,947$95.15$40,973$5,451.69$20.0KCL

VBFC vs CL: Complete Analysis 2026

VBFCStock

Village Bank and Trust Financial Corp. primarily operates as the bank holding company for Village Bank that provides banking and related financial services to small and medium sized businesses, professionals, and individuals. It operates in two segments, Traditional Commercial Banking and Mortgage Banking. The company accepts checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and other depository services. It also offers secured and unsecured commercial business loans for various purposes, such as funding working capital needs, business expansion, and purchase of equipment and machinery; loans for acquiring, developing, constructing, and owning commercial real estate properties; and secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments, as well as originates mortgage loans, real estate construction loans, and acquisition loans for sale in the secondary market. In addition, the company offers online and mobile banking, and remote deposit capture services for business clients. It provides its products and services through nine full-service branch banking offices and a mortgage loan production office in Central Virginia in the counties of Chesterfield, Hanover, Henrico, Powhatan, James City, and Richmond City. The company was founded in 1999 and is headquartered in Midlothian, Virginia.

Full VBFC Calculator →

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.