Is CCYY or RYLD a better dividend investment in 2026?

CCYY currently yields 1.59% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between CCYY and RYLD?

CCYY has a forward dividend yield of 1.59% ($0.15/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 2.41 percentage points.

Home › Compare › CCYY vs RYLD

CCYY vs RYLD: Dividend Comparison 2026

CCYY yields 1.59% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 RYLD wins by $6.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CCYY

● Live price

1.59%

Share price

$9.45

Annual div

$0.15

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.0K

Annual income

$175.92

Full CCYY calculator →

RYLD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full RYLD calculator →

Portfolio growth — CCYY vs RYLD

📍 RYLD 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 Period	CCYY	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, CCYY + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CCYY 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.

CCYY

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

$134.92/yr

After 10yr DRIP, annual income (after tax)

$149.53/yr

RYLD

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, RYLD beats the other by $614.78/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CCYY + RYLD for your $10,000?

CCYY: 50%RYLD: 50%

100% RYLD50/50100% CCYY

Portfolio after 10yr

$25.0K

Annual income

$537.56/yr

Blended yield

2.15%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CCYY buys

RYLD buys

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

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

MetricCCYYRYLD

Forward yield	1.59%	4.00% ✓
Annual dividend / share	$0.15	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$22.0K	$28.0K ✓
Annual income after 10y	$175.92	$899.19 ✓
Total dividends collected	$1.7K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CCYY Portfolio	CCYY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,859	$158.73	$11,120	$420.00	$261.00 → RYLD
2	$11,780	$161.08	$12,357	$458.31	$577.00 → RYLD
3	$12,768	$163.32	$13,721	$499.76	$953.00 → RYLD
4	$13,827	$165.43	$15,227	$544.58	$1.4K → RYLD
5	$14,962	$167.44	$16,885	$593.02	$1.9K → RYLD
6	$16,179	$169.33	$18,713	$645.34	$2.5K → RYLD
7	$17,483	$171.12	$20,724	$701.81	$3.2K → RYLD
8	$18,879	$172.82	$22,938	$762.73	$4.1K → RYLD
9	$20,375	$174.41	$25,372	$828.41	$5.0K → RYLD
10	$21,977	$175.92	$28,047	$899.19	$6.1K → RYLD

CCYY vs RYLD: Complete Analysis 2026

CCYY — Stock

CCCB Bancorp, Inc. operates as the bank holding company for Clarion County Community Bank that provides various retail and commercial financial products and services for individuals and businesses primarily in Pennsylvania. The company accepts checking, savings, money market, term certificate, and individual retirement accounts, as well as certificates of deposit; and offers home mortgage construction, home equity, personal and auto, business real estate, equipment, and business installment loans, as well as lines of credit. It also provides reorder checks, safe deposit boxes, night deposit, cashier's check and money order, debit and credit card, bill pay, and switch kit services, as well as online, mobile, and telephone banking. It operates through four locations in Clarion, Pennsylvania; and New Bethlehem, Rimersburg, and Franklin, Pennsylvania. CCCB Bancorp, Inc. was founded in 2004 and is headquartered in Clarion, Pennsylvania.

Full CCYY Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

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.