Is CBAF or RYLD a better dividend investment in 2026?

CBAF currently yields 2.21% 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 CBAF and RYLD?

CBAF has a forward dividend yield of 2.21% ($0.88/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 10.18 percentage points.

Home › Compare › CBAF vs RYLD

CBAF vs RYLD: Dividend Comparison 2026

CBAF yields 2.21% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 CBAF wins by $120.4K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

CBAF

● Live price

2.21%

Share price

$39.77

Annual div

$0.88

5Y div CAGR

53.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$165.7K

Annual income

$73,684.19

Full CBAF 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 — CBAF vs RYLD

📍 CBAF pulled ahead of the other in Year 7

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	CBAF	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%.

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Dividend Calendar Overlap

Combined, CBAF + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

CBAF pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

CBAF

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

$188.08/yr

After 10yr DRIP, annual income (after tax)

$62,631.56/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, CBAF beats the other by $60,351.03/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 CBAF + RYLD for your $10,000?

CBAF: 50%RYLD: 50%

100% RYLD50/50100% CBAF

Portfolio after 10yr

$105.5K

Annual income

$38,183.58/yr

Blended yield

36.20%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CBAF buys

RYLD buys

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

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

MetricCBAFRYLD

Forward yield	2.21%	12.39% ✓
Annual dividend / share	$0.88	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	53.2% ✓	0%
Portfolio after 10y	$165.7K ✓	$45.3K
Annual income after 10y	$73,684.19 ✓	$2,682.98
Total dividends collected	$136.0K ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CBAF Portfolio	CBAF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,039	$338.99	$11,939	$1,239.34	$900.00 → RYLD
2	$12,348	$535.78	$14,158	$1,382.89	$1.8K → RYLD
3	$14,070	$858.05	$16,682	$1,532.59	$2.6K → RYLD
4	$16,455	$1,399.91	$19,537	$1,687.64	$3.1K → RYLD
5	$19,951	$2,344.10	$22,752	$1,847.20	$2.8K → RYLD
6	$25,416	$4,069.27	$26,355	$2,010.43	$939.00 → RYLD
7← crossover	$34,618	$7,422.50	$30,376	$2,176.45	+$4.2K → CBAF
8	$51,516	$14,474.84	$34,847	$2,344.43	+$16.7K → CBAF
9	$85,963	$30,841.07	$39,800	$2,513.54	+$46.2K → CBAF
10	$165,665	$73,684.19	$45,269	$2,682.98	+$120.4K → CBAF

CBAF vs RYLD: Complete Analysis 2026

CBAF — Stock

CITBA Financial Corporation operates as the holding company for Citizens Bank that provides various banking services in the United States. It offers personal and business checking accounts; personal regular savings, money market savings, premium rate savings, junior savers, individual retirement, and health savings accounts, as well as certificates of deposit; and business regular savings, individual retirement, and health savings accounts. The company also provides personal and business mortgages; auto, home equity, and RV and boat loans; commercial, commercial mortgage, and business lines of credit; credit cards; and gift cards. In addition, the company offers treasury management, remote deposits, online banking, bill pay, mobile banking, and eStatement services. CITBA Financial Corporation was founded in 1931 and is based in Mooresville, Indiana.

Full CBAF 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 →

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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.