Is CFCX or RYLD a better dividend investment in 2026?

CFCX currently yields 12.54% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: CFCX offers higher current income.

What is the dividend yield difference between CFCX and RYLD?

CFCX has a forward dividend yield of 12.54% ($2.00/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 8.54 percentage points.

Home › Compare › CFCX vs RYLD

CFCX vs RYLD: Dividend Comparison 2026

CFCX yields 12.54% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 CFCX wins by $17.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CFCX

● Live price

12.54%

Share price

$15.95

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.7K

Annual income

$2,738.22

Full CFCX 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 — CFCX vs RYLD

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

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

CFCX 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.

CFCX

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

$1,065.83/yr

After 10yr DRIP, annual income (after tax)

$2,327.49/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, CFCX beats the other by $1,563.18/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

CFCX: 50%RYLD: 50%

100% RYLD50/50100% CFCX

Portfolio after 10yr

$36.9K

Annual income

$1,818.71/yr

Blended yield

4.93%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CFCX buys

RYLD buys

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

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

MetricCFCXRYLD

Forward yield	12.54% ✓	4.00%
Annual dividend / share	$2.00	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$45.7K ✓	$28.0K
Annual income after 10y	$2,738.22 ✓	$899.19
Total dividends collected	$19.8K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CFCX Portfolio	CFCX Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,954	$1,253.92	$11,120	$420.00	+$834.00 → CFCX
2	$14,192	$1,400.86	$12,357	$458.31	+$1.8K → CFCX
3	$16,739	$1,554.29	$13,721	$499.76	+$3.0K → CFCX
4	$19,624	$1,713.38	$15,227	$544.58	+$4.4K → CFCX
5	$22,875	$1,877.29	$16,885	$593.02	+$6.0K → CFCX
6	$26,522	$2,045.12	$18,713	$645.34	+$7.8K → CFCX
7	$30,594	$2,216.00	$20,724	$701.81	+$9.9K → CFCX
8	$35,125	$2,389.04	$22,938	$762.73	+$12.2K → CFCX
9	$40,147	$2,563.39	$25,372	$828.41	+$14.8K → CFCX
10	$45,696	$2,738.22	$28,047	$899.19	+$17.6K → CFCX

CFCX vs RYLD: Complete Analysis 2026

CFCX — Stock

Centric Financial Corporation operates as the holding company for Centric Bank that offers various banking products and services. It provides checking accounts, certificates of deposit (CD), individual retirement accounts, savings and money market accounts, and health savings accounts; and CD account registry services. The company also offers personal and auto loans, business loans and lines, home equity loans and lines, government-guaranteed loans, commercial real estate loans, lines and letters of credit, and commercial term loans, as well as financing for doctors and professional practices; credit cards; cash management services; residential mortgages; and online and mobile banking services. In addition, it provides leasing services for business equipment; and other banking services, such as telephone banking, debit cards, fraud protection, ATM cards, bounce protection, checking navigator, notary, and safe deposit boxes. The company serves businesses and individuals, as well as healthcare providers, professional practitioners, government and municipalities, and nonprofit organizations. It offers its services through seven full-service offices in Dauphin, Cumberland, Lancaster, Bucks, and Chester Counties; and a loan production office in Chester county, as well as online banking channels. Centric Financial Corporation was founded in 2007 and is headquartered in Harrisburg, Pennsylvania.

Full CFCX 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.