Is CCFC or XYLD a better dividend investment in 2026?

CCFC currently yields 16.46% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: CCFC offers higher current income.

What is the dividend yield difference between CCFC and XYLD?

CCFC has a forward dividend yield of 16.46% ($2.00/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 5.26 percentage points.

Home › Compare › CCFC vs XYLD

CCFC vs XYLD: Dividend Comparison 2026

CCFC yields 16.46% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 XYLD wins by $3.2K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

CCFC

● Live price

16.46%

Share price

$12.15

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.6K

Annual income

$1.85

Full CCFC 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

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — CCFC vs XYLD

📍 XYLD pulled ahead of the other in Year 7

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	CCFC	XYLD
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, CCFC + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CCFC pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CCFC

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

$1,399.18/yr

After 10yr DRIP, annual income (after tax)

$1.57/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 $2,846.80/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CCFC: 50%XYLD: 50%

100% XYLD50/50100% CCFC

Portfolio after 10yr

$24.3K

Annual income

$1,676.44/yr

Blended yield

6.91%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CCFC buys

XYLD buys

No recent congressional trades found for CCFC or XYLD in the last 90 days.

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

MetricCCFCXYLD

Forward yield	16.46% ✓	11.20%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$22.6K	$25.9K ✓
Annual income after 10y	$1.85	$3,351.03 ✓
Total dividends collected	$1.7K	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	CCFC Portfolio	CCFC Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,523	$823.05	$10,840	$1,120.44	+$683.00 → CCFC
2	$12,773	$443.18	$11,786	$1,249.59	+$987.00 → CCFC
3	$13,896	$229.55	$12,854	$1,397.78	+$1.0K → CCFC
4	$14,986	$116.70	$14,063	$1,568.33	+$923.00 → CCFC
5	$16,094	$58.81	$15,434	$1,765.19	+$660.00 → CCFC
6	$17,250	$29.51	$16,995	$1,993.14	+$255.00 → CCFC
7← crossover	$18,472	$14.78	$18,777	$2,257.95	$305.00 → XYLD
8	$19,773	$7.40	$20,818	$2,566.58	$1.0K → XYLD
9	$21,160	$3.70	$23,163	$2,927.50	$2.0K → XYLD
10	$22,643	$1.85	$25,865	$3,351.03	$3.2K → XYLD

CCFC vs XYLD: Complete Analysis 2026

CCFC — Stock

CCSB Financial Corp. operates as a financial holding company for Clay County Savings Bank that provides a range of banking and financial services to individual and corporate customers in the northern part of metropolitan Kansas City, Missouri. It offers personal banking products and services, including checking, statement savings, money market, health savings, kids adventure club, and individual retirement accounts, as well as certificates of deposit; and home loans, home equity line of credit, closed-end home equity, and auto loans. The company also provides business banking products and services, such business money market and sweep accounts; investment property loans, small business loans, construction loans, and commercial and business loans; and merchant services. In addition, it offers debit and credit cards, and online banking services, as well as ATM, notary, and signature guarantee services. The company has bank locations in Liberty, Kearney, and Kansas City, as well as provides access to approximately 4,200 ATMs. CCSB Financial Corp. was founded in 1922 and is based in Liberty, Missouri.

Full CCFC Calculator →

XYLD — ETF

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 →

📬

Get this CCFC vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CCFC vs SCHD CCFC vs JEPI CCFC vs O CCFC vs KO CCFC vs MAIN CCFC vs QYLD CCFC vs JEPQ CCFC vs RYLD

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