HomeCompareCIBH vs SPHD

CIBH vs SPHD: Dividend Comparison 2026

CIBH yields 5.19% · SPHD yields 4.30%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CIBH wins by $1.6K in total portfolio value
10 years
CIBH
CIBH
● Live price
5.19%
Share price
$38.51
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.1K
Annual income
$723.76
Full CIBH calculator →
SPHD
SPHD
● Live price
4.30%
Share price
$49.61
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$567.37
Full SPHD calculator →

Portfolio growth — CIBH vs SPHD

📍 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 PeriodCIBHSPHD
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 + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CIBH pays
SPHD 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
SPHD
Annual income on $10K today (after 15% tax)
$365.92/yr
After 10yr DRIP, annual income (after tax)
$482.26/yr
At 15% tax rate, CIBH beats the other by $132.93/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CIBH: 50%SPHD: 50%
100% SPHD50/50100% CIBH
Portfolio after 10yr
$27.3K
Annual income
$645.56/yr
Blended yield
2.36%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CIBH buys
0
SPHD buys
0
No recent congressional trades found for CIBH or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCIBHSPHD
Forward yield5.19%4.30%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$28.1K$26.5K
Annual income after 10y$723.76$567.37
Total dividends collected$6.3K$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCIBH PortfolioCIBH Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,219$519.31$11,130$430.50+$89.00CIBH
2$12,549$544.52$12,357$447.82+$192.00CIBH
3$13,997$569.21$13,687$464.65+$310.00CIBH
4$15,570$593.34$15,126$480.98+$444.00CIBH
5$17,277$616.85$16,682$496.78+$595.00CIBH
6$19,126$639.69$18,362$512.03+$764.00CIBH
7$21,126$661.83$20,174$526.72+$952.00CIBH
8$23,288$683.23$22,127$540.84+$1.2KCIBH
9$25,623$703.88$24,230$554.39+$1.4KCIBH
10$28,140$723.76$26,493$567.37+$1.6KCIBH

CIBH vs SPHD: Complete Analysis 2026

CIBHStock

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 →

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 →
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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.