Is CFST or RYLD a better dividend investment in 2026?

CFST currently yields 2.94% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between CFST and RYLD?

CFST has a forward dividend yield of 2.94% ($2.00/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 9.45 percentage points.

Home › Compare › CFST vs RYLD

CFST vs RYLD: Dividend Comparison 2026

CFST yields 2.94% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 RYLD wins by $21.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CFST

● Live price

2.94%

Share price

$67.95

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.1K

Annual income

$355.81

Full CFST 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 — CFST 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 Period	CFST	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, CFST + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CFST 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.

CFST

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

$250.18/yr

After 10yr DRIP, annual income (after tax)

$302.44/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, RYLD beats the other by $1,978.09/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CFST: 50%RYLD: 50%

100% RYLD50/50100% CFST

Portfolio after 10yr

$34.7K

Annual income

$1,519.40/yr

Blended yield

4.38%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CFST buys

RYLD buys

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

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

MetricCFSTRYLD

Forward yield	2.94%	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	$24.1K	$45.3K ✓
Annual income after 10y	$355.81	$2,682.98 ✓
Total dividends collected	$3.3K	$19.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CFST Portfolio	CFST Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,994	$294.33	$11,939	$1,239.34	$945.00 → RYLD
2	$12,066	$302.43	$14,158	$1,382.89	$2.1K → RYLD
3	$13,221	$310.21	$16,682	$1,532.59	$3.5K → RYLD
4	$14,464	$317.66	$19,537	$1,687.64	$5.1K → RYLD
5	$15,802	$324.79	$22,752	$1,847.20	$7.0K → RYLD
6	$17,239	$331.61	$26,355	$2,010.43	$9.1K → RYLD
7	$18,784	$338.11	$30,376	$2,176.45	$11.6K → RYLD
8	$20,443	$344.31	$34,847	$2,344.43	$14.4K → RYLD
9	$22,225	$350.21	$39,800	$2,513.54	$17.6K → RYLD
10	$24,136	$355.81	$45,269	$2,682.98	$21.1K → RYLD

CFST vs RYLD: Complete Analysis 2026

CFST — Stock

Communities First Financial Corporation operates as the bank holding company for Fresno First Bank that provides various banking products and services for individuals and small and middle-market businesses in California. It offers checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also provides residential real estate loans, commercial loans, small business loans, commercial real estate and construction loans, agricultural loans and lines of credit, and equipment leasing services. In addition, it offers debit and credit cards; and online and mobile banking, online bill payment, cash management, remote deposit capture, and merchant services, as well as business manager solutions. The company operates one full-service office located in Fresno and a loan production office located in Torrance in California. Communities First Financial Corporation was founded in 2005 and is headquartered in Fresno, California.

Full CFST 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 →

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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.