Is CFCX or XYLD a better dividend investment in 2026?

CFCX currently yields 12.54% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: CFCX offers higher current income.

What is the dividend yield difference between CFCX and XYLD?

CFCX has a forward dividend yield of 12.54% ($2.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 1.56 percentage points.

Home › Compare › CFCX vs XYLD

CFCX vs XYLD: Dividend Comparison 2026

CFCX yields 12.54% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 CFCX wins by $20.4K 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 →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — CFCX vs XYLD

📍 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	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%.

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Dividend Calendar Overlap

Combined, CFCX + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

CFCX pays

XYLD 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

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $408.68/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 + XYLD for your $10,000?

CFCX: 50%XYLD: 50%

100% XYLD50/50100% CFCX

Portfolio after 10yr

$35.5K

Annual income

$2,978.62/yr

Blended yield

8.39%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CFCX buys

XYLD buys

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

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

MetricCFCXXYLD

Forward yield	12.54% ✓	10.98%
Annual dividend / share	$2.00	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$45.7K ✓	$25.3K
Annual income after 10y	$2,738.22	$3,219.02 ✓
Total dividends collected	$19.8K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	CFCX Portfolio	CFCX Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,954	$1,253.92	$10,818	$1,098.39	+$1.1K → CFCX
2	$14,192	$1,400.86	$11,738	$1,222.51	+$2.5K → CFCX
3	$16,739	$1,554.29	$12,774	$1,364.64	+$4.0K → CFCX
4	$19,624	$1,713.38	$13,944	$1,527.86	+$5.7K → CFCX
5	$22,875	$1,877.29	$15,270	$1,715.87	+$7.6K → CFCX
6	$26,522	$2,045.12	$16,775	$1,933.09	+$9.7K → CFCX
7	$30,594	$2,216.00	$18,490	$2,184.87	+$12.1K → CFCX
8	$35,125	$2,389.04	$20,450	$2,477.63	+$14.7K → CFCX
9	$40,147	$2,563.39	$22,697	$2,819.19	+$17.4K → CFCX
10	$45,696	$2,738.22	$25,280	$3,219.02	+$20.4K → CFCX

CFCX vs XYLD: 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 →

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 →

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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.