Is BFCC or RYLD a better dividend investment in 2026?

BFCC currently yields 1.98% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between BFCC and RYLD?

BFCC has a forward dividend yield of 1.98% ($1.05/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 10.41 percentage points.

Home › Compare › BFCC vs RYLD

BFCC vs RYLD: Dividend Comparison 2026

BFCC yields 1.98% · RYLD yields 12.39%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 BFCC wins by $61.54M in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

BFCC

● Live price

1.98%

Share price

$53.00

Annual div

$1.05

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$61.58M

Annual income

$56,137,146.60

Full BFCC calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — BFCC vs RYLD

📍 BFCC pulled ahead of the other in Year 4

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 Period	BFCC	RYLD
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, BFCC + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

BFCC pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

BFCC

Annual income on $10K today (after 15% tax)

$168.40/yr

After 10yr DRIP, annual income (after tax)

$47,716,574.61/yr

RYLD

Annual income on $10K today (after 15% tax)

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, BFCC beats the other by $47,714,294.08/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of BFCC + RYLD for your $10,000?

BFCC: 50%RYLD: 50%

100% RYLD50/50100% BFCC

Portfolio after 10yr

$30.81M

Annual income

$28,069,914.79/yr

Blended yield

91.10%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BFCC buys

RYLD buys

No recent congressional trades found for BFCC or RYLD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricBFCCRYLD

Forward yield	1.98%	12.39% ✓
Annual dividend / share	$1.05	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$61.58M ✓	$45.3K
Annual income after 10y	$56,137,146.60 ✓	$2,682.98
Total dividends collected	$61.14M ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: BFCC vs RYLD ($10,000, DRIP)

Year	BFCC Portfolio	BFCC Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,096	$396.23	$11,939	$1,239.34	$843.00 → RYLD
2	$12,695	$821.80	$14,158	$1,382.89	$1.5K → RYLD
3	$15,341	$1,757.36	$16,682	$1,532.59	$1.3K → RYLD
4← crossover	$20,384	$3,969.44	$19,537	$1,687.64	+$847.00 → BFCC
5	$31,670	$9,858.67	$22,752	$1,847.20	+$8.9K → BFCC
6	$62,516	$28,629.72	$26,355	$2,010.43	+$36.2K → BFCC
7	$172,529	$105,636.31	$30,376	$2,176.45	+$142.2K → BFCC
8	$729,520	$544,914.19	$34,847	$2,344.43	+$694.7K → BFCC
9	$5,087,342	$4,306,755.95	$39,800	$2,513.54	+$5.05M → BFCC
10	$61,580,603	$56,137,146.60	$45,269	$2,682.98	+$61.54M → BFCC

BFCC vs RYLD: Complete Analysis 2026

BFCC — Stock

BankFirst Capital Corporation operates as the bank holding company for BankFirst Financial Services that provides banking and financial services to individual and corporate customers in east central and central Mississippi, and northwest and west Alabama. It offers personal and business checking and savings products. The company also provides home mortgages; construction, home equity, auto, boat and recreational vehicle, personal, business term, equipment, commercial real estate, and agricultural loans; SBA lending services; and business lines of credit. In addition, it offers debit and credit cards; and online banking and bill pay, e-statement, mobile banking, remote deposit capture, merchant card, and overdraft protection services. Further, the company provides wealth management, cashier checks, safe deposit boxes, wire transfers, night depository, pre-authorized debit, bank by mail, direct deposit, drive-thru teller, notary, and fax services. The company operates through 36 branch locations in Mississippi and Alabama, as well as one mortgage office in Oxford, Mississippi. BankFirst Capital Corporation was founded in 1888 and is headquartered in Columbus, Mississippi.

Full BFCC Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD Calculator →

📬

Get this BFCC vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

BFCC vs SCHD BFCC vs JEPI BFCC vs O BFCC vs KO BFCC 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.