Is BFIN or QYLD a better dividend investment in 2026?

BFIN currently yields 2.50% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between BFIN and QYLD?

BFIN has a forward dividend yield of 2.50% ($0.30/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 9.42 percentage points.

Home › Compare › BFIN vs QYLD

BFIN vs QYLD: Dividend Comparison 2026

BFIN yields 2.50% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $2.1K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

BFIN

● Live price

2.50%

Share price

$12.00

Annual div

$0.30

5Y div CAGR

-0.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.3K

Annual income

$281.43

Full BFIN calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — BFIN vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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 Period	BFIN	QYLD
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, BFIN + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

BFIN pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

BFIN

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

$212.50/yr

After 10yr DRIP, annual income (after tax)

$239.22/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,571.20/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of BFIN + QYLD for your $10,000?

BFIN: 50%QYLD: 50%

100% QYLD50/50100% BFIN

Portfolio after 10yr

$24.4K

Annual income

$2,970.37/yr

Blended yield

12.19%

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Analyst Conviction Gap

Where Wall Street is split right now

BFIN

Analyst Ratings

Hold

Consensus: Hold

Altman Z

-0.3

Piotroski

8/9

QYLD

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BFIN buys

QYLD buys

No recent congressional trades found for BFIN or QYLD in the last 90 days.

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

MetricBFINQYLD

Forward yield	2.50%	11.92% ✓
Annual dividend / share	$0.30	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-0.4%	0% ✓
Portfolio after 10y	$23.3K	$25.4K ✓
Annual income after 10y	$281.43	$5,659.31 ✓
Total dividends collected	$2.7K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: BFIN vs QYLD ($10,000, DRIP)

Year	BFIN Portfolio	BFIN Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,949	$249.00	$10,352	$1,192.36	+$597.00 → BFIN
2	$11,969	$253.78	$10,830	$1,347.57	+$1.1K → BFIN
3	$13,065	$258.24	$11,460	$1,539.07	+$1.6K → BFIN
4	$14,242	$262.39	$12,275	$1,777.84	+$2.0K → BFIN
5	$15,505	$266.24	$13,323	$2,078.95	+$2.2K → BFIN
6	$16,861	$269.81	$14,667	$2,463.34	+$2.2K → BFIN
7	$18,314	$273.10	$16,396	$2,960.57	+$1.9K → BFIN
8	$19,872	$276.13	$18,631	$3,612.97	+$1.2K → BFIN
9← crossover	$21,542	$278.90	$21,548	$4,482.15	$6.00 → QYLD
10	$23,331	$281.43	$25,398	$5,659.31	$2.1K → QYLD

BFIN vs QYLD: Complete Analysis 2026

BFIN — Stock

BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides various commercial, family, and personal banking products and services. The company accepts various deposit products, including savings, NOW, checking, money market, IRA, and other retirement accounts, as well as certificates of deposit. Its loan products include multi-family and nonresidential real estate, construction and land, and commercial loans and leases; one-to-four family residential mortgage loans, including home equity loans and lines of credit; and consumer loans. The company also provides cash management, funds transfer, bill payment, other online and mobile banking transactions, automated teller machines, safe deposit boxes, trust, wealth management, and general insurance agency services. In addition, it offers financial planning services; and sells property and casualty, and other insurance products on an agency basis. The company operates 19 full-service banking offices located in Cook, DuPage, Lake, and Will Counties, Illinois. BankFinancial Corporation was founded in 1924 and is headquartered in Burr Ridge, Illinois.

Full BFIN Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.