HomeCompareCBFC vs VYM

CBFC vs VYM: Dividend Comparison 2026

CBFC yields 2.40% · VYM yields 2.41%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CBFC wins by $396.00 in total portfolio value· pulled ahead in Year 10
10 years
CBFC
CBFC
● Live price
2.40%
Share price
$50.00
Annual div
$1.20
5Y div CAGR
15.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.2K
Annual income
$1,350.35
Full CBFC calculator →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.41%
Share price
$145.48
Annual div
$3.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$278.55
Full VYM calculator →

Portfolio growth — CBFC vs VYM

📍 CBFC pulled ahead of the other in Year 10

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 PeriodCBFCVYM
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, CBFC + VYM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CBFC pays
VYM pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CBFC
Annual income on $10K today (after 15% tax)
$204.00/yr
After 10yr DRIP, annual income (after tax)
$1,147.80/yr
VYM
Annual income on $10K today (after 15% tax)
$205.23/yr
After 10yr DRIP, annual income (after tax)
$236.77/yr
At 15% tax rate, CBFC beats the other by $911.03/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CBFC + VYM for your $10,000?

CBFC: 50%VYM: 50%
100% VYM50/50100% CBFC
Portfolio after 10yr
$28.0K
Annual income
$814.45/yr
Blended yield
2.90%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CBFC buys
0
VYM buys
1
PoliticianChamberTickerTypeAmountDate
Carol Devine Miller🏢 House$VYM▲ Buy$15,001 - $50,0002022-11-02
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCBFCVYM
Forward yield2.40%2.41%
Annual dividend / share$1.20$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR15.2%0%
Portfolio after 10y$28.2K$27.8K
Annual income after 10y$1,350.35$278.55
Total dividends collected$6.8K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: CBFC vs VYM ($10,000, DRIP)

YearCBFC PortfolioCBFC Income/yrVYM PortfolioVYM Income/yrGap
1$10,976$276.48$11,151$241.44$175.00VYM
2$12,072$326.73$12,413$246.79$341.00VYM
3$13,303$386.87$13,794$251.79$491.00VYM
4$14,694$459.02$15,306$256.47$612.00VYM
5$16,268$545.85$16,960$260.84$692.00VYM
6$18,058$650.65$18,768$264.92$710.00VYM
7$20,099$777.56$20,745$268.71$646.00VYM
8$22,438$931.80$22,905$272.24$467.00VYM
9$25,128$1,119.94$25,265$275.51$137.00VYM
10← crossover$28,238$1,350.35$27,842$278.55+$396.00CBFC

CBFC vs VYM: Complete Analysis 2026

CBFCStock

CNB Financial Services, Inc. operates as the bank holding company for CNB Bank, Inc. that provides various banking products and services to individuals and businesses in the United States. The company accepts checking, savings, and individual retirement accounts; demand deposits; and certificates of deposit (CDs). Its loan products include consumer loans, such as new and used vehicle, motor homes and travel trailers, motorcycles and ATVs, boats and jet skis, snowmobiles, personal loans and notes, home improvement, vacations, Christmas, equipment, and savings/CD secured loans; commercial loans comprising small business lending, lines of credit, commercial real estate, equipment purchase, church, and professional loans; residential lending products, consisting of in-house and secondary market residential, construction, home equity, and land loans; and real estate mortgage and installment loans. The company also offers debit and credit cards; cash management, smart pay express, merchant, Citadel marketplace program, trust, safe deposit box, and reorder checks; investment products and services; and online, mobile, and telephone banking services. In addition, it invests in mortgage-backed securities and collateralized mortgage obligations. As of December 31, 2021, the company operated two full-service offices and ATMs in Berkeley Springs, West Virginia; three full-service branch offices and ATMs in Berkeley County, West Virginia; and three full service branch offices and ATMs in Washington County, Maryland. CNB Financial Services, Inc. was founded in 1934 and is based in Berkeley Springs, West Virginia.

Full CBFC Calculator →

VYMETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM Calculator →
📬

Get this CBFC vs VYM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CBFC vs SCHDCBFC vs JEPICBFC vs OCBFC vs KOCBFC vs MAINCBFC vs VIGCBFC vs DGROCBFC 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.