HomeCompareAMRB vs XYLD

AMRB vs XYLD: Dividend Comparison 2026

AMRB yields 24.75% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 AMRB wins by $72.0K in total portfolio value
10 years
AMRB
AMRB
● Live price
24.75%
Share price
$20.91
Annual div
$5.18
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$97.3K
Annual income
$10,874.44
Full AMRB calculator →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
10.98%
Share price
$39.13
Annual div
$4.30
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — AMRB vs XYLD

📍 AMRB 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 PeriodAMRBXYLD
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, AMRB + XYLD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

AMRB
Annual income on $10K today (after 15% tax)
$2,103.77/yr
After 10yr DRIP, annual income (after tax)
$9,243.27/yr
XYLD
Annual income on $10K today (after 15% tax)
$933.63/yr
After 10yr DRIP, annual income (after tax)
$2,736.17/yr
At 15% tax rate, AMRB beats the other by $6,507.11/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of AMRB + XYLD for your $10,000?

AMRB: 50%XYLD: 50%
100% XYLD50/50100% AMRB
Portfolio after 10yr
$61.3K
Annual income
$7,046.73/yr
Blended yield
11.50%
📊

Analyst Conviction Gap

Where Wall Street is split right now

AMRB
Analyst Ratings
4
Hold
Consensus: Hold
XYLD
No analyst data
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)

AMRB buys
0
XYLD buys
0
No recent congressional trades found for AMRB or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAMRBXYLD
Forward yield24.75%10.98%
Annual dividend / share$5.18$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$97.3K$25.3K
Annual income after 10y$10,874.44$3,219.02
Total dividends collected$61.3K$19.6K
Payment frequencyquarterlymonthly
SectorStockETF

Year-by-year: AMRB vs XYLD ($10,000, DRIP)

YearAMRB PortfolioAMRB Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$13,175$2,475.03$10,818$1,098.39+$2.4KAMRB
2$17,145$3,047.53$11,738$1,222.51+$5.4KAMRB
3$22,051$3,706.34$12,774$1,364.64+$9.3KAMRB
4$28,050$4,455.15$13,944$1,527.86+$14.1KAMRB
5$35,310$5,296.37$15,270$1,715.87+$20.0KAMRB
6$44,013$6,231.00$16,775$1,933.09+$27.2KAMRB
7$54,352$7,258.63$18,490$2,184.87+$35.9KAMRB
8$66,534$8,377.42$20,450$2,477.63+$46.1KAMRB
9$80,776$9,584.17$22,697$2,819.19+$58.1KAMRB
10$97,304$10,874.44$25,280$3,219.02+$72.0KAMRB

AMRB vs XYLD: Complete Analysis 2026

AMRBStock

American River Bankshares operates as a bank holding company, which engages in financial services. The company is headquartered in Rancho Cordova, California and currently employs 104 full-time employees. The firm's banking subsidiary is American River Bank (the Bank). The Bank's primary business is serving the commercial banking needs of small to mid-sized businesses. The Bank accepts checking and savings deposits; offers money market deposit accounts and certificates of deposit; makes secured and unsecured commercial loans, secured real estate loans, and other installment and term loans, and offers other customary banking services. The Bank also conducts lease financing for various types of business equipment, from computer software to heavy earth-moving equipment. The company serves various communities located in Sacramento, Placer, Yolo, El Dorado, Sonoma and Amador counties. The company also serves Alameda, Contra Costa and Santa Clara Counties through loan production offices located in the Cities of San Jose and San Ramon. Its loans include real estate construction loans; lease financing receivable; agriculture loans, and consumer loans.

Full AMRB Calculator →

XYLDETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.