HomeCompareCFSB vs SPHD

CFSB vs SPHD: Dividend Comparison 2026

CFSB yields 14.04% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CFSB wins by $23.8K in total portfolio value
10 years
CFSB
CFSB
● Live price
14.04%
Share price
$14.25
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$50.3K
Annual income
$3,349.15
Full CFSB calculator →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — CFSB vs SPHD

📍 CFSB 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 PeriodCFSBSPHD
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, CFSB + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CFSB pays
SPHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CFSB
Annual income on $10K today (after 15% tax)
$1,192.98/yr
After 10yr DRIP, annual income (after tax)
$2,846.78/yr
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, CFSB beats the other by $2,361.16/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CFSB + SPHD for your $10,000?

CFSB: 50%SPHD: 50%
100% SPHD50/50100% CFSB
Portfolio after 10yr
$38.4K
Annual income
$1,960.24/yr
Blended yield
5.10%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CFSB buys
0
SPHD buys
0
No recent congressional trades found for CFSB or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFSBSPHD
Forward yield14.04%4.33%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$50.3K$26.5K
Annual income after 10y$3,349.15$571.32
Total dividends collected$23.4K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: CFSB vs SPHD ($10,000, DRIP)

YearCFSB PortfolioCFSB Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$12,104$1,403.51$11,133$432.85+$971.00CFSB
2$14,538$1,587.61$12,363$450.36+$2.2KCFSB
3$17,338$1,782.23$13,695$467.39+$3.6KCFSB
4$20,538$1,986.41$15,138$483.90+$5.4KCFSB
5$24,175$2,199.10$16,697$499.88+$7.5KCFSB
6$28,287$2,419.17$18,382$515.31+$9.9KCFSB
7$32,912$2,645.41$20,198$530.17+$12.7KCFSB
8$38,093$2,876.63$22,157$544.46+$15.9KCFSB
9$43,871$3,111.61$24,266$558.18+$19.6KCFSB
10$50,291$3,349.15$26,536$571.32+$23.8KCFSB

CFSB vs SPHD: Complete Analysis 2026

CFSBStock

CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company also offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.

Full CFSB Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD Calculator →
📬

Get this CFSB vs SPHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CFSB vs SCHDCFSB vs JEPICFSB vs OCFSB vs KOCFSB 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.