Printed on February twenty third, 2026 by Bob Ciura
Dividend investing is in the end about changing your working revenue with a passive revenue stream for a safe retirement and monetary freedom.
The truth of inflation means your revenue stream can’t simply be static. It should be perpetually rising.
To construct your perpetual dividend machine, you will need to spend money on a fairly diversified basket of revenue securities which have the next traits:
- Pay dividends (create revenue), the upper the yield the higher
- Are prone to develop their funds, the quicker the higher
- Have secure dividends, so you might be prone to see steady or higher revenue throughout a recession
Dividend investments needs to be secure, rising revenue securities with at the least respectable yields.
With this in thoughts, we created a downloadable record of over 130 Dividend Champions.
You’ll be able to obtain your free copy of the Dividend Champions record, together with related monetary metrics like price-to-earnings ratios, dividend yields, and payout ratios, by clicking on the hyperlink beneath:
The Dividend Champions have raised their dividends for over 25 years in a row.
The next 10 U.S.-based dividend shares have elevated their payouts for over 25 years, inserting them on the Dividend Champions record.
Additionally they have excessive yields of two.5% or increased, which is greater than double present S&P 500 common yield of 1.1%.
Lastly, they’ve our prime Dividend Danger Scores of ‘C’ or increased, to give attention to the shares most definitely to take care of their dividends, even in a recession.
Because of this, they might be thought of to be prime shares for constructing perpetually rising retirement revenue.
Desk of Contents
The ten shares beneath are ranked by annual anticipated returns, from lowest to highest.
Perpetual Earnings Inventory: Arrow Monetary (AROW)
- Annual Anticipated Returns: 12.7%
Arrow Monetary Company is a multi-bank holding firm based mostly in Glen Falls, New York. The corporate operates by two most important subsidiary banks, the Glens Falls Nationwide Financial institution and Belief Firm, and the Saratoga Nationwide Financial institution and Belief Firm.
Arrow Monetary Company can also be the guardian firm of North Nation Funding Advisers and Replace Company, an insurance coverage company. The corporate is a small cap, and it produces about $163 million in annual income.
Arrow posted fourth quarter and full-year earnings on January twenty ninth, 2026. Earnings for the quarter got here to 85 cents per share, whereas This fall income was $43.41 million.
The financial institution posted quarterly web curiosity revenue of $35.1 million, which was a file. Web curiosity margin was additionally a file for the quarter, coming in at 3.25% on an adjusted foundation, up barely from the prior quarter.
The financial institution famous elevated common municipal deposits negatively impacted web curiosity margin by 4 foundation factors.
For the complete 12 months, NIM got here to three.19% on an adjusted foundation, which was up sharply from 2024’s 2.74%.
Web charge-offs for the 12 months had been 0.19%, whereas they had been simply 0.08% within the fourth quarter, signifying exemplary credit score high quality. Tangible ebook worth ended the quarter at $24.71 per share, which was up 3.6% from the prior quarter.
Arrow boosted its dividend by 3.4% to a brand new payout of $1.20 yearly, which might be its thirtieth consecutive 12 months of dividend will increase.
Click on right here to obtain our most up-to-date Positive Evaluation report on AROW (preview of web page 1 of three proven beneath):
Perpetual Earnings Inventory: Cass Data Methods (CASS)
- Annual Anticipated Returns: 12.9%
Cass Data Methods presents cost and knowledge processing providers to US-based manufacturing, distribution, and retail companies.
As well as, Cass presents bill ranking, cost processing, auditing, accounting, and transportation data providers.
The corporate operates in two segments: Data Providers and Banking Providers, producing most of its income from the Data Providers phase.
On January twenty second, 2025, Cass Data Methods introduced its This fall 2025 outcomes, posting non-GAAP EPS of $0.68, which beats estimates by $0.04, and complete revenues of $49.89 million.
Cass Data Methods ended 2025 with file outcomes, reporting full-year web revenue of $35.1 million, practically doubling the prior 12 months’s $19.2 million.
Return on common fairness reached 14.98% and return on common property 1.43%, underscoring improved profitability throughout the platform.
Web curiosity revenue climbed 19.8% for the 12 months, fueled by stability sheet development and margin enlargement, whereas facility greenback volumes rose 14.7% and common accounts and drafts payable elevated 14.9%.
Click on right here to obtain our most up-to-date Positive Evaluation report on CASS (preview of web page 1 of three proven beneath):
Perpetual Earnings Inventory: PepsiCo Inc. (PEP)
- Annual Anticipated Returns: 13.4%
PepsiCo is a worldwide meals and beverage firm that generates virtually $94 billion in annual gross sales. The corporate’s merchandise embrace Pepsi, Mountain Dew, Frito-Lay chips, Gatorade, Tropicana orange juice and Quaker meals.
The corporate has greater than 20 $1 billion manufacturers in its portfolio.
On February third, 2026, PepsiCo introduced that it will enhance its annualized dividend by 4.0% to $5.92 beginning with the cost that was made in June 2026, extending the corporate’s dividend development streak to 54 consecutive years.
That very same day, PepsiCo launched fourth quarter and full 12 months outcomes for the interval ending December thirty first, 2025. For the quarter, income grew 5.6% to $29.3 billion, which beat estimates by $370 million.
Adjusted earnings-per-share of $2.26 in contrast favorably to $1.96 the prior 12 months, which was $0.02 greater than anticipated.
For the 12 months, income grew 2.3% to $93.9 billion whereas adjusted earnings-per-share of $8.14 was down from $8.16 in 2024. Natural gross sales grew 2.1% for the quarter and 1.7% for the 12 months.
For the quarter, meals quantity fell 2% whereas drinks grew 1%. PepsiCo Drinks North America’s natural income improved 2% for the interval whilst quantity decreased by 4%.
Income for PepsiCo Meals North America as decrease by 1%, largely because of divestitures. Meals quantity declined 1%.
The Worldwide Drinks phase grew 2% because of 3% quantity development. Revenues in Europe/Center East/Africa had been up 5%. Meals quantity declined 5%, however this was offset by a 1% acquire in drinks.
Forex was a 7% headwind for this area. Latin America Meals elevated 5% and Asia Pacific Meals grew 4%.
PepsiCo offered steerage for 2026 as properly, with the corporate anticipating natural gross sales in a variety of two% to 4%. The corporate expects earnings-per-share development in a variety of 4% to six%.
Click on right here to obtain our most up-to-date Positive Evaluation report on PEP (preview of web page 1 of three proven beneath):
Perpetual Earnings Inventory: T. Rowe Worth Group (TROW)
- Annual Anticipated Returns: 13.5%
T. Rowe Worth Group, based in 1937 and headquartered in Baltimore, MD, is likely one of the largest publicly traded asset managers.
The corporate gives a broad array of mutual funds, sub-advisory providers, and separate account administration for particular person and institutional traders, retirement plans, and monetary intermediaries.
T. Rowe Worth had property beneath administration (AUM) of practically $1.8 trillion as of the tip of Q3 2025.
T. Rowe Worth introduced third-quarter outcomes on October 31st, 2025.
Supply: Investor Assets
Income for the quarter grew 5.6% to $1.89 billion, although this was $10 million lower than anticipated. Adjusted earnings-per-share of $2.81 in contrast favorably to $2.57 within the prior 12 months and was $0.27 above estimates.
Throughout the quarter, AUMs totaled $1.77 trillion, which represented development of 5.4 % year-over-year, however a decline of 1.1% sequentially. Market appreciation of $89.1 billion was offset by web money outflows of $7.9 billion. Working bills of $1.25 billion elevated 6.7% year-over-year and 0.4% quarter-over-quarter.
Click on right here to obtain our most up-to-date Positive Evaluation report on TROW (preview of web page 1 of three proven beneath):
Perpetual Earnings Inventory: Tompkins Monetary (TMP)
- Annual Anticipated Returns: 13.6%
Tompkins Monetary is a regional monetary providers holding firm headquartered in Ithaca, NY that may hint its roots again greater than 180 years. It has complete property of about $8 billion, which produce about $300 million in annual income.
The corporate presents a variety of providers, together with checking and deposit accounts, time deposits, loans, bank cards, insurance coverage providers, and wealth administration to its prospects in New York and Pennsylvania.
Tompkins posted fourth quarter and full-year earnings on January thirtieth, 2026, and outcomes capped what was a file 12 months with a file for the fourth quarter as properly.
The financial institution ended 2025 with earnings-per-share of $6.31, simply cresting the previous file from 2021.
Web curiosity margin in This fall was 3.42%, which was up 22 foundation factors from the third quarter, and soared 49 foundation factors increased from the year-ago interval. Complete common price of funds of 1.71% was higher by 12 foundation factors from Q3, and by 17 foundation factors from the year-ago interval.
Complete loans had been up $158 million, or 2.5%, from the September quarter. From the tip of 2024, complete loans rose 7.1%, or $426 million. Complete deposits ended the 12 months at $6.9 billion, off 1.6% from Q3, however 7.2% increased than the tip of 2024.
That put the loan-to-deposit ratio at 92.9% on the finish of 2025, up from 89.2% in Q3 and flat year-over-year. That’s extraordinarily excessive by any customary, which will increase threat but in addition limits development.
Click on right here to obtain our most up-to-date Positive Evaluation report on TMP (preview of web page 1 of three proven beneath):
Perpetual Earnings Inventory: Norwood Monetary (NWFL)
- Annual Anticipated Returns: 14.1%
Norwood Monetary is a financial institution holding firm that operates by its subsidiary, Wayne Financial institution. The corporate is an unbiased group financial institution with over 15 places of work in Northeastern Pennsylvania and 14 places of work in Delaware, Sullivan, Ontario, Otsego and Yates Counties, New York.
It presents a variety of non-public and enterprise credit score providers, belief and funding merchandise, and actual property settlement providers to the customers, companies, non-profit organizations and municipalities in every of the communities that the corporate serves.
As of December thirty first, 2025, Norwood Monetary Corp. had complete property of $2.42 billion, loans excellent of $1.85 billion, and complete deposits of $2.08 billion.
On January twenty second, 2026, Norwood Monetary Corp. launched its fourth quarter outcomes. For the quarter, the corporate reported a web revenue of $7.4 million, down from $8.3 million within the third quarter of 2025 however a big enchancment from a web lack of $12.7 million within the fourth quarter of 2024.
Reported quarterly earnings per diluted share had been $0.80, in comparison with $0.89 in Q3 2025 and $(1.54) within the year-ago interval.
The earnings replicate continued momentum following the strategic funding portfolio repositioning undertaken within the fourth quarter of 2024, alongside advantages from improved asset yields and deposit development.
Click on right here to obtain our most up-to-date Positive Evaluation report on NWFL (preview of web page 1 of three proven beneath):
Perpetual Earnings Inventory: John Wiley & Sons (WLY)
- Annual Anticipated Returns: 14.8%
John Wiley & Sons is a publishing and analysis firm whose operations are cut up into three segments: Analysis, Publishing, and Options.
The corporate presents scientific, technical, medical and scholarly analysis journals, reference books, databases, medical resolution assist instruments, laboratory manuals, scientific and schooling books, and take a look at preparation providers.
Its providers additionally embrace studying, improvement and evaluation providers for companies and professionals and on-line program administration providers for increased schooling establishments.
When John Wiley & Sons reported its second quarter (fiscal 2026) earnings outcomes, the corporate introduced that income totaled $422 million through the interval, a decline of 1% versus the prior 12 months’s quarter.
Earnings-per-share got here in at $1.10 for the quarter, which beat the consensus estimate, as analysts had predicted a significantly smaller revenue for the quarter. Earnings-per-share had been up by 12% in comparison with the earlier 12 months’s interval on an adjusted foundation.
John Wiley generated earnings-per-share of $3.64 throughout fiscal 2025, and it’s anticipated that fiscal 2026 will probably be stronger. For the present 12 months, administration forecasts earnings-per-share of $3.90 to $4.35.
Click on right here to obtain our most up-to-date Positive Evaluation report on WLY (preview of web page 1 of three proven beneath):
Perpetual Earnings Inventory: Group Monetary System (CBU)
- Annual Anticipated Returns: 15.2%
Group Monetary System was fashioned in 1983 and since that point, it has expanded to develop into a diversified monetary providers firm with greater than 200 places within the northeastern U.S.
Its principal enterprise is conventional group banking, however it additionally owns a big advantages administration enterprise, along with providing quite a lot of insurance coverage merchandise.
Group Monetary posted fourth quarter and full-year earnings on January fifteenth, 2026, and outcomes had been combined. Adjusted earnings-per-share got here to $1.12, which missed estimates by a penny. Income was up virtually 10% year-on-year to $215 million, beating estimates by simply over $2 million.
Web curiosity revenue was $133 million, up greater than 11% year-over-year, and up about 4% from the third quarter. Web curiosity margin was 3.37%, up 19 foundation factors from the year-ago interval and 20 foundation factors from Q3.
Deposits ended the quarter at $14.39 billion, up 2.3% from Q3, and up 7% year-on-year. Development was solely attributable to the acquisition of a Santander department.
Individually, Group Monetary has entered into an settlement to amass ClearPoint Federal Financial institution & Belief, which presents experience to funeral houses and cemeteries with $1.5 billion in property beneath administration.
Click on right here to obtain our most up-to-date Positive Evaluation report on CBU (preview of web page 1 of three proven beneath):
Perpetual Earnings Inventory: H2O America (HTO)
- Annual Anticipated Returns: 17.5%
H2O America, previously generally known as SJW Group, is a water utility firm that produces, purchases, shops, purifies and distributes water to customers and companies within the Silicon Valley space of California, the world north of San Antonio, Texas, Connecticut, and Maine.
It additionally has a small actual property division that owns and develops properties for residential and warehouse prospects in California and Tennessee. The corporate generates about $670 million in annual revenues.
On July eighth, 2025, H2O America introduced that it bought Quadvest for $540 million. This buy provides to the corporate’s place within the Houston space.
Quadvest has 50,500 lively connections, virtually 91,000 connections beneath contract and pending improvement, 50 water therapy vegetation, 27 wastewater therapy vegetation, and 89 elevate stations and underground property.
On October twenty eighth, 2025, H2O America reported third quarter outcomes for the interval ending September thirtieth, 2025. For the quarter, income improved 6.9% to $240.6 million, which beat estimates by $2.1 million.
Earnings-per-share of $1.27 in contrast favorably to earnings-per-share of $1.18 within the prior 12 months and was $0.09 higher than anticipated.
For the quarter, increased water charges general added $21.2 million to outcomes and better buyer utilization added $700K. Working manufacturing bills totaled $175.9 million, which was a 6% enhance from the prior 12 months.
The will increase had been because of increased pensions prices, salaries and wages, and inflationary will increase.
Click on right here to obtain our most up-to-date Positive Evaluation report on HTO (preview of web page 1 of three proven beneath):
Perpetual Earnings Inventory: Computerized Information Processing (ADP)
- Annual Anticipated Returns: 19.3%
Computerized Information Processing is likely one of the largest enterprise providers outsourcing corporations on this planet, with greater than 700,000 company prospects.
The corporate gives payroll providers, human assets expertise, and different enterprise operations. The corporate generates practically $22 billion of annual revenues.
Computerized Information Processing launched Q1 earnings outcomes on October 29th, 2025.
Supply: Investor Presentation
Adjusted earnings-per-share of $2.49 was $0.05 higher than anticipated whereas income grew 7.2% to $5.18 billion and beat estimates by $50 million.
Employer Providers income improved 7% to $3.49 billion whereas phase earnings had been up 6% to $1.23 billion. PEO Service income additionally elevated 7% to $1.69 billion, although phase earnings had been all the way down to $219 million.
Computerized Information Processing additionally has raised its dividend 10.4% to $1.70, extending the corporate’s dividend development streak to 51 consecutive years.
Click on right here to obtain our most up-to-date Positive Evaluation report on ADP (preview of web page 1 of three proven beneath):
Further Studying
The Dividend Champions record is just not the one strategy to rapidly display screen for shares that recurrently pay rising dividends.
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