Is CIBH or QYLD a better dividend investment in 2026?

CIBH currently yields 5.19% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between CIBH and QYLD?

CIBH has a forward dividend yield of 5.19% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 6.73 percentage points.

Home › Compare › CIBH vs QYLD

CIBH vs QYLD: Dividend Comparison 2026

CIBH yields 5.19% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 CIBH wins by $2.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CIBH

● Live price

5.19%

Share price

$38.51

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.1K

Annual income

$723.76

Full CIBH calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — CIBH vs QYLD

📍 CIBH 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	CIBH	QYLD
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, CIBH + QYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

CIBH pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

CIBH

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

$441.42/yr

After 10yr DRIP, annual income (after tax)

$615.20/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,195.22/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 CIBH + QYLD for your $10,000?

CIBH: 50%QYLD: 50%

100% QYLD50/50100% CIBH

Portfolio after 10yr

$26.8K

Annual income

$3,191.54/yr

Blended yield

11.92%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CIBH buys

QYLD buys

No recent congressional trades found for CIBH or QYLD in the last 90 days.

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

MetricCIBHQYLD

Forward yield	5.19%	11.92% ✓
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$28.1K ✓	$25.4K
Annual income after 10y	$723.76	$5,659.31 ✓
Total dividends collected	$6.3K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: CIBH vs QYLD ($10,000, DRIP)

Year	CIBH Portfolio	CIBH Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$11,219	$519.31	$10,352	$1,192.36	+$867.00 → CIBH
2	$12,549	$544.52	$10,830	$1,347.57	+$1.7K → CIBH
3	$13,997	$569.21	$11,460	$1,539.07	+$2.5K → CIBH
4	$15,570	$593.34	$12,275	$1,777.84	+$3.3K → CIBH
5	$17,277	$616.85	$13,323	$2,078.95	+$4.0K → CIBH
6	$19,126	$639.69	$14,667	$2,463.34	+$4.5K → CIBH
7	$21,126	$661.83	$16,396	$2,960.57	+$4.7K → CIBH
8	$23,288	$683.23	$18,631	$3,612.97	+$4.7K → CIBH
9	$25,623	$703.88	$21,548	$4,482.15	+$4.1K → CIBH
10	$28,140	$723.76	$25,398	$5,659.31	+$2.7K → CIBH

CIBH vs QYLD: Complete Analysis 2026

CIBH — Stock

CIB Marine Bancshares, Inc. operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. It accepts demand, savings, and time deposits. The company also offers a range of loan products, such as commercial, commercial real estate, commercial and residential construction, government guaranteed, one-to-four family residential real estate, home equity, and consumer loans, as well as commercial and standby letters of credit. In addition, it provides trust services, including cash management; repurchase agreements; mortgage; and other banking services, as well as invests in securities. The company was formerly known as Central Illinois Bancorp, Inc. and changed its name to CIB Marine Bancshares, Inc. in August 1999. CIB Marine Bancshares, Inc. was incorporated in 1985 and is based in Brookfield, Wisconsin.

Full CIBH Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.