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BSFO vs XYLD: Dividend Comparison 2026

BSFO yields 5.33% · XYLD yields 11.20%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BSFO wins by $2.5K in total portfolio value
10 years
BSFO
BSFO
● Live price
5.33%
Share price
$37.52
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.4K
Annual income
$749.37
Full BSFO calculator →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
11.20%
Share price
$38.36
Annual div
$4.30
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$3,351.03
Full XYLD calculator →

Portfolio growth — BSFO vs XYLD

📍 BSFO 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 PeriodBSFOXYLD
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, BSFO + XYLD cover 0 of 12 monthsgood coverage

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

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

BSFO
Annual income on $10K today (after 15% tax)
$453.11/yr
After 10yr DRIP, annual income (after tax)
$636.96/yr
XYLD
Annual income on $10K today (after 15% tax)
$952.37/yr
After 10yr DRIP, annual income (after tax)
$2,848.38/yr
At 15% tax rate, XYLD beats the other by $2,211.41/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BSFO: 50%XYLD: 50%
100% XYLD50/50100% BSFO
Portfolio after 10yr
$27.1K
Annual income
$2,050.19/yr
Blended yield
7.56%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

BSFO buys
0
XYLD buys
0
No recent congressional trades found for BSFO or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBSFOXYLD
Forward yield5.33%11.20%
Annual dividend / share$2.00$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$28.4K$25.9K
Annual income after 10y$749.37$3,351.03
Total dividends collected$6.5K$20.2K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearBSFO PortfolioBSFO Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,233$533.07$10,840$1,120.44+$393.00BSFO
2$12,579$559.62$11,786$1,249.59+$793.00BSFO
3$14,045$585.68$12,854$1,397.78+$1.2KBSFO
4$15,640$611.16$14,063$1,568.33+$1.6KBSFO
5$17,370$636.02$15,434$1,765.19+$1.9KBSFO
6$19,246$660.19$16,995$1,993.14+$2.3KBSFO
7$21,277$683.64$18,777$2,257.95+$2.5KBSFO
8$23,473$706.34$20,818$2,566.58+$2.7KBSFO
9$25,844$728.25$23,163$2,927.50+$2.7KBSFO
10$28,403$749.37$25,865$3,351.03+$2.5KBSFO

BSFO vs XYLD: Complete Analysis 2026

BSFOStock

Bank of San Francisco provides various banking products and services to businesses, nonprofits, entrepreneurs, professionals, individuals, and families in the greater San Francisco Bay Area. The company's personal banking products and services include checking, interest checking, savings, and money market accounts, as well as certificates of deposit, and individual retirement accounts; loans, including tenancy in common and co-op, single-family home and condo, condo conversion, multi-unit property loans, vacation home and investment properties; and other services comprising bill pay, online and mobile banking, debit and credit cards, wire transfers, foreign drafts, public notary, and direct deposit. It also provides loans, which include revolving lines of credit, business acquisition loans, medical, dental practice and professional service firm financing, commercial real estate loans, construction loans, and small business administration loans. Bank of San Francisco was founded in 2005 and is headquartered in San Francisco, California.

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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.