HomeCompareBMTX vs SPHD

BMTX vs SPHD: Dividend Comparison 2026

BMTX yields 40.00% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BMTX wins by $205.3K in total portfolio value
10 years
BMTX
BMTX
● Live price
40.00%
Share price
$5.00
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$231.9K
Annual income
$39,181.04
Full BMTX calculator →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — BMTX vs SPHD

📍 BMTX 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 PeriodBMTXSPHD
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, BMTX + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
BMTX pays
SPHD pays
Both pay
Neither
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Tax Bracket Optimizer

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

BMTX
Annual income on $10K today (after 15% tax)
$3,400.00/yr
After 10yr DRIP, annual income (after tax)
$33,303.88/yr
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, BMTX beats the other by $32,818.26/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of BMTX + SPHD for your $10,000?

BMTX: 50%SPHD: 50%
100% SPHD50/50100% BMTX
Portfolio after 10yr
$129.2K
Annual income
$19,876.18/yr
Blended yield
15.38%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BMTX right now

BMTX
Analyst Ratings
2
Buy
1
Hold
Consensus: Buy
Price Target
$9.20
+84.0% upside vs current
Range: $5.40 — $13.00
Altman Z
0.3
Piotroski
3/9
SPHD
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)

BMTX buys
0
SPHD buys
0
No recent congressional trades found for BMTX or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBMTXSPHD
Forward yield40.00%4.33%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$231.9K$26.5K
Annual income after 10y$39,181.04$571.32
Total dividends collected$174.4K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: BMTX vs SPHD ($10,000, DRIP)

YearBMTX PortfolioBMTX Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$14,700$4,000.00$11,133$432.85+$3.6KBMTX
2$21,224$5,495.33$12,363$450.36+$8.9KBMTX
3$30,125$7,415.26$13,695$467.39+$16.4KBMTX
4$42,071$9,836.48$15,138$483.90+$26.9KBMTX
5$57,854$12,838.17$16,697$499.88+$41.2KBMTX
6$78,403$16,499.54$18,382$515.31+$60.0KBMTX
7$104,788$20,897.28$20,198$530.17+$84.6KBMTX
8$138,226$26,102.79$22,157$544.46+$116.1KBMTX
9$180,082$32,179.61$24,266$558.18+$155.8KBMTX
10$231,869$39,181.04$26,536$571.32+$205.3KBMTX

BMTX vs SPHD: Complete Analysis 2026

BMTXStock

BM Technologies, Inc. operates as a financial technology (fintech) company in the United States. It facilitates deposits and banking services between a customer and its partner bank, customers bank, which is a related party and is a Federal Deposit Insurance Corporation insured bank. The company, through its fintech banking platform, offers digital banking and disbursement services to consumers and students through digital channels. The company was formerly known as BankMobile Technologies, Inc. and changed its name to BM Technologies, Inc. in January 2021. BM Technologies, Inc. was founded in 2014 and is headquartered in Wayne, Pennsylvania.

Full BMTX Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.