Is CFIC or RYLD a better dividend investment in 2026?

CFIC currently yields 24.04% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: CFIC offers higher current income.

What is the dividend yield difference between CFIC and RYLD?

CFIC has a forward dividend yield of 24.04% ($2.00/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 11.65 percentage points.

Home › Compare › CFIC vs RYLD

CFIC vs RYLD: Dividend Comparison 2026

CFIC yields 24.04% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 CFIC wins by $48.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CFIC

● Live price

24.04%

Share price

$8.32

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$93.3K

Annual income

$10,155.03

Full CFIC calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — CFIC vs RYLD

📍 CFIC pulled ahead of the other in Year 1

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	CFIC	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%.

📅

Dividend Calendar Overlap

Combined, CFIC + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CFIC pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CFIC

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

$2,043.27/yr

After 10yr DRIP, annual income (after tax)

$8,631.78/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, CFIC beats the other by $6,351.24/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CFIC: 50%RYLD: 50%

100% RYLD50/50100% CFIC

Portfolio after 10yr

$69.3K

Annual income

$6,419.01/yr

Blended yield

9.27%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CFIC buys

RYLD buys

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

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

MetricCFICRYLD

Forward yield	24.04% ✓	12.39%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$93.3K ✓	$45.3K
Annual income after 10y	$10,155.03 ✓	$2,682.98
Total dividends collected	$58.0K ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CFIC Portfolio	CFIC Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$13,104	$2,403.85	$11,939	$1,239.34	+$1.2K → CFIC
2	$16,965	$2,943.89	$14,158	$1,382.89	+$2.8K → CFIC
3	$21,715	$3,561.99	$16,682	$1,532.59	+$5.0K → CFIC
4	$27,496	$4,260.95	$19,537	$1,687.64	+$8.0K → CFIC
5	$34,463	$5,042.36	$22,752	$1,847.20	+$11.7K → CFIC
6	$42,782	$5,906.57	$26,355	$2,010.43	+$16.4K → CFIC
7	$52,629	$6,852.67	$30,376	$2,176.45	+$22.3K → CFIC
8	$64,191	$7,878.52	$34,847	$2,344.43	+$29.3K → CFIC
9	$77,666	$8,980.77	$39,800	$2,513.54	+$37.9K → CFIC
10	$93,257	$10,155.03	$45,269	$2,682.98	+$48.0K → CFIC

CFIC vs RYLD: Complete Analysis 2026

CFIC — Stock

Cornerstone Financial Corporation operates as the bank holding company for Cornerstone Bank that provides various banking products and services for individuals and businesses. The company accepts checking and money market, savings, certificates of deposit, and individual retirement accounts. Its loan products include home equity line of credit; term and small business administration/government backed loans; business line of credit and letters of credit; and commercial mortgages. The company also offers remote deposit capture, reorder check, and online banking services. Cornerstone Financial Corporation was founded in 1999 and is based in Mount Laurel, New Jersey.

Full CFIC Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD Calculator →

📬

Get this CFIC vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CFIC vs SCHD CFIC vs JEPI CFIC vs O CFIC vs KO CFIC vs MAIN

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