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CFIN vs RYLD: Dividend Comparison 2026

CFIN yields 0.03% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $8.3K in total portfolio value
10 years
CFIN
CFIN
● Live price
0.03%
Share price
$7,600.00
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.7K
Annual income
$2.64
Full CFIN calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — CFIN 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 PeriodCFINRYLD
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, CFIN + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CFIN 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.

CFIN
Annual income on $10K today (after 15% tax)
$2.24/yr
After 10yr DRIP, annual income (after tax)
$2.24/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 $762.07/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFIN: 50%RYLD: 50%
100% RYLD50/50100% CFIN
Portfolio after 10yr
$23.9K
Annual income
$450.92/yr
Blended yield
1.89%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CFIN buys
0
RYLD buys
0
No recent congressional trades found for CFIN or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFINRYLD
Forward yield0.03%4.00% ✓
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR0%5% ✓
Portfolio after 10y$19.7K$28.0K ✓
Annual income after 10y$2.64$899.19 ✓
Total dividends collected$26.00 ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCFIN PortfolioCFIN Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$10,703$2.63$11,120$420.00$417.00 → RYLD
2$11,454$2.63$12,357$458.31$903.00 → RYLD
3$12,259$2.63$13,721$499.76$1.5K → RYLD
4$13,120$2.63$15,227$544.58$2.1K → RYLD
5$14,041$2.63$16,885$593.02$2.8K → RYLD
6$15,026$2.63$18,713$645.34$3.7K → RYLD
7$16,081$2.63$20,724$701.81$4.6K → RYLD
8$17,209$2.64$22,938$762.73$5.7K → RYLD
9$18,416$2.64$25,372$828.41$7.0K → RYLD
10$19,708$2.64$28,047$899.19$8.3K → RYLD

CFIN vs RYLD: Complete Analysis 2026

CFIN — Stock

Citizens Financial Corporation, through its subsidiary, provides ancillary health insurance products. It also offers administrative services to medical professionals involved in providing on-site treatment to patients in community settings. The company offers group ancillary insurance products, including group dental, group vision, and group life insurance; and individual ancillary insurance products, such as individual dental and individual vision insurance to the senior market. Citizens Financial Corporation was incorporated in 1990 and is based in Louisville, Kentucky.

Full CFIN 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.