Is CBBYF or SCHD a better dividend investment in 2026?

CBBYF currently yields 2.27% with a 5% 5-year dividend growth rate. SCHD yields 3.44% with 13.05% growth. The better choice depends on your goal: SCHD offers higher current income.

What is the dividend yield difference between CBBYF and SCHD?

CBBYF has a forward dividend yield of 2.27% ($0.05/share annually). SCHD yields 3.44% ($1.06/share annually). The yield gap is 1.17 percentage points.

Home › Compare › CBBYF vs SCHD

CBBYF vs SCHD: Dividend Comparison 2026

CBBYF yields 2.27% · SCHD yields 3.44%● Live data

vsPost on X →

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

🏆 CBBYF wins by $112.59M in total portfolio value· pulled ahead in Year 2

INVESTMENT

TIME HORIZON10 years

CBBYF

● Live price

2.27%

Share price

$2.20

Annual div

$0.05

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$112.62M

Annual income

$103,841,720.51

Full CBBYF calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.44%

Share price

$30.68

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$422.61

Full SCHD calculator →

Portfolio growth — CBBYF vs SCHD

📍 CBBYF pulled ahead of the other in Year 2

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	CBBYF	SCHD
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, CBBYF + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CBBYF pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CBBYF

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

$193.18/yr

After 10yr DRIP, annual income (after tax)

$88,265,462.43/yr

SCHD

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

$292.49/yr

After 10yr DRIP, annual income (after tax)

$359.22/yr

At 15% tax rate, CBBYF beats the other by $88,265,103.22/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CBBYF + SCHD for your $10,000?

CBBYF: 50%SCHD: 50%

100% SCHD50/50100% CBBYF

Portfolio after 10yr

$56.32M

Annual income

$51,921,071.55/yr

Blended yield

92.18%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on CBBYF right now

CBBYF

Analyst Ratings

Buy

Consensus: Buy

Altman Z

0.4

Piotroski

6/9

SCHD

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)

CBBYF buys

SCHD buys

No recent congressional trades found for CBBYF or SCHD in the last 90 days.

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

MetricCBBYFSCHD

Forward yield	2.27%	3.44% ✓
Annual dividend / share	$0.05	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$112.62M ✓	$29.0K
Annual income after 10y	$103,841,720.51 ✓	$422.61
Total dividends collected	$111.93M ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CBBYF vs SCHD ($10,000, DRIP)

Year	CBBYF Portfolio	CBBYF Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1	$11,155	$454.55	$11,224	$344.10	$69.00 → SCHD
2← crossover	$12,883	$947.71	$12,567	$354.98	+$316.00 → CBBYF
3	$15,831	$2,045.92	$14,038	$365.30	+$1.8K → CBBYF
4	$21,638	$4,699.15	$15,648	$375.06	+$6.0K → CBBYF
5	$35,158	$12,005.54	$17,410	$384.27	+$17.7K → CBBYF
6	$74,081	$36,461.67	$19,335	$392.95	+$54.7K → CBBYF
7	$222,869	$143,602.47	$21,437	$401.10	+$201.4K → CBBYF
8	$1,045,986	$807,515.64	$23,733	$408.75	+$1.02M → CBBYF
9	$8,203,111	$7,083,906.40	$26,237	$415.91	+$8.18M → CBBYF
10	$112,619,049	$103,841,720.51	$28,968	$422.61	+$112.59M → CBBYF

CBBYF vs SCHD: Complete Analysis 2026

CBBYF — Stock

Virgin Money UK PLC provides banking products and services for consumers, and small and medium sized businesses under the Clydesdale Bank, Yorkshire Bank, and Virgin Money brands in the United Kingdom. The company offers savings and current accounts, mortgages, credit cards, and home loans; business loans, overdraft facilities, treasury solutions, and corporate and structured finance; asset and invoice finance services; risk management; international trade services; and home, car, and life and critical illness insurance products. It also offers online and mobile banking, and telephone banking services. The company was formerly known as CYBG PLC and changed its name to Virgin Money UK PLC in October 2019. Virgin Money UK PLC was founded in 1838 and is headquartered in Glasgow, the United Kingdom.

Full CBBYF Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD Calculator →

📬

Get this CBBYF vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CBBYF vs JEPI CBBYF vs O CBBYF vs KO CBBYF vs MAIN CBBYF vs VYM CBBYF vs DGRO CBBYF vs VIG CBBYF vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.