Is CITZ or QYLD a better dividend investment in 2026?

CITZ currently yields 1.10% with a 5% 5-year dividend growth rate. QYLD yields 11.43% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between CITZ and QYLD?

CITZ has a forward dividend yield of 1.10% ($0.44/share annually). QYLD yields 11.43% ($1.92/share annually). The yield gap is 10.33 percentage points.

Home › Compare › CITZ vs QYLD

CITZ vs QYLD: Dividend Comparison 2026

CITZ yields 1.10% · QYLD yields 11.43%● Live data

vsPost on X →

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

🏆 CITZ wins by $9.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CITZ

● Live price

1.10%

Share price

$40.10

Annual div

$0.44

5Y div CAGR

30.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.6K

Annual income

$2,114.85

Full CITZ calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.43%

Share price

$16.80

Annual div

$1.92

5Y div CAGR

-2.1%

Payout ratio

95%

After 10 yrs · $10,000 · DRIP

Portfolio value

$19.5K

Annual income

$3,553.75

Full QYLD calculator →

Portfolio growth — CITZ vs QYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CITZ 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.

CITZ

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

$93.27/yr

After 10yr DRIP, annual income (after tax)

$1,797.62/yr

QYLD

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

$971.43/yr

After 10yr DRIP, annual income (after tax)

$3,020.69/yr

At 15% tax rate, QYLD beats the other by $1,223.07/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 CITZ + QYLD for your $10,000?

CITZ: 50%QYLD: 50%

100% QYLD50/50100% CITZ

Portfolio after 10yr

$24.1K

Annual income

$2,834.31/yr

Blended yield

11.78%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CITZ buys

QYLD buys

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

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

MetricCITZQYLD

Forward yield	1.10%	11.43% ✓
Annual dividend / share	$0.44	$1.92 ✓
Payout ratio	50% ✓	95%
1-year div growth	0% ✓	-5.2%
5-year div CAGR	30.5% ✓	-2.1%
Portfolio after 10y	$28.6K ✓	$19.5K
Annual income after 10y	$2,114.85	$3,553.75 ✓
Total dividends collected	$7.5K	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	CITZ Portfolio	CITZ Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$10,843	$143.19	$10,279	$1,118.86	+$564.00 → CITZ
2	$11,792	$189.37	$10,645	$1,229.16	+$1.1K → CITZ
3	$12,868	$251.16	$11,111	$1,360.44	+$1.8K → CITZ
4	$14,103	$334.28	$11,695	$1,517.70	+$2.4K → CITZ
5	$15,537	$446.83	$12,420	$1,707.39	+$3.1K → CITZ
6	$17,225	$600.38	$13,315	$1,937.94	+$3.9K → CITZ
7	$19,243	$811.79	$14,417	$2,220.42	+$4.8K → CITZ
8	$21,696	$1,106.05	$15,775	$2,569.54	+$5.9K → CITZ
9	$24,735	$1,520.93	$17,455	$3,005.06	+$7.3K → CITZ
10	$28,582	$2,114.85	$19,543	$3,553.75	+$9.0K → CITZ

CITZ vs QYLD: Complete Analysis 2026

CITZ — Stock

Citizens Bancshares Corporation operates as the bank holding company for The Citizens Bank that provides community banking services and financial products. It offers checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, debit and credit cards, personal and business loans, mortgages, cash management, mobile banking, and merchant services. The company was incorporated in 1988 and is headquartered in Olanta, South Carolina.

Full CITZ Calculator →

QYLD — ETF

QYLD sells covered calls on the full Nasdaq 100 index, generating very high monthly income (10%+ yield). The strategy caps upside participation in exchange for income. Best suited for investors who prioritize maximum current income over capital appreciation. NAV erosion over time is a known trade-off.

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.