HomeCompareCBSU vs VYM

CBSU vs VYM: Dividend Comparison 2026

CBSU yields 11.94% · VYM yields 2.41%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CBSU wins by $16.1K in total portfolio value
10 years
CBSU
CBSU
● Live price
11.94%
Share price
$16.75
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44.0K
Annual income
$2,515.84
Full CBSU 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 — CBSU vs VYM

📍 CBSU 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 PeriodCBSUVYM
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, CBSU + VYM cover 0 of 12 monthsgood coverage

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

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

CBSU
Annual income on $10K today (after 15% tax)
$1,014.93/yr
After 10yr DRIP, annual income (after tax)
$2,138.46/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, CBSU beats the other by $1,901.70/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CBSU: 50%VYM: 50%
100% VYM50/50100% CBSU
Portfolio after 10yr
$35.9K
Annual income
$1,397.19/yr
Blended yield
3.89%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CBSU buys
0
VYM buys
0
No recent congressional trades found for CBSU or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCBSUVYM
Forward yield11.94%2.41%
Annual dividend / share$2.00$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$44.0K$27.8K
Annual income after 10y$2,515.84$278.55
Total dividends collected$18.4K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCBSU PortfolioCBSU Income/yrVYM PortfolioVYM Income/yrGap
1← crossover$11,894$1,194.03$11,151$241.44+$743.00CBSU
2$14,054$1,327.27$12,413$246.79+$1.6KCBSU
3$16,503$1,465.70$13,794$251.79+$2.7KCBSU
4$19,267$1,608.56$15,306$256.47+$4.0KCBSU
5$22,371$1,755.08$16,960$260.84+$5.4KCBSU
6$25,841$1,904.50$18,768$264.92+$7.1KCBSU
7$29,706$2,056.02$20,745$268.71+$9.0KCBSU
8$33,995$2,208.91$22,905$272.24+$11.1KCBSU
9$38,737$2,362.41$25,265$275.51+$13.5KCBSU
10$43,964$2,515.84$27,842$278.55+$16.1KCBSU

CBSU vs VYM: Complete Analysis 2026

CBSUStock

Central Bank Corporation operates as the holding company for Central Savings Bank that provides personal and business banking services in Michigan. The company offers checking, savings, and individual retirement accounts, as well as certificates of deposit. It also provides home equity loans, house and construction loans, home equity lines of credit, and vacant land loans; consumer loans, such as automobile, boat, recreation vehicle, off road vehicle, farm, vacation, and debt consolidation loans, as well as personal reserve accounts; and commercial loans, such as real estate, equipment, small business administration, and the united states department of agriculture loans, as well as working capital financing. In addition, the company provides additional services, such as payroll, wire transfers, stop payments, money orders, rental collections, Christmas Club, Canadian drafts, gift checks, notary, safe deposit boxes, land contracts, night depository, and bill pay services. Further, it offers debit and credit cards, and Internet and mobile banking services. The company was founded in 1902 and is based in Sault Sainte Marie, Michigan.

Full CBSU 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 →
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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.