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CITZ vs RYLD: Dividend Comparison 2026

CITZ yields 1.10% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CITZ wins by $535.00 in total portfolio value· pulled ahead in Year 10
10 years
CITZ
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 →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — CITZ vs RYLD

📍 CITZ pulled ahead of the other in Year 10

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 PeriodCITZRYLD
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 + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CITZ pays
RYLD pays
Both pay
Neither
💰

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
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, CITZ beats the other by $1,033.31/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CITZ: 50%RYLD: 50%
100% RYLD50/50100% CITZ
Portfolio after 10yr
$28.3K
Annual income
$1,507.03/yr
Blended yield
5.32%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CITZ buys
0
RYLD buys
0
No recent congressional trades found for CITZ or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCITZRYLD
Forward yield1.10%4.00% ✓
Annual dividend / share$0.44$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR30.5% ✓5%
Portfolio after 10y$28.6K ✓$28.0K
Annual income after 10y$2,114.85 ✓$899.19
Total dividends collected$7.5K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCITZ PortfolioCITZ Income/yrRYLD PortfolioRYLD Income/yrGap
1$10,843$143.19$11,120$420.00$277.00 → RYLD
2$11,792$189.37$12,357$458.31$565.00 → RYLD
3$12,868$251.16$13,721$499.76$853.00 → RYLD
4$14,103$334.28$15,227$544.58$1.1K → RYLD
5$15,537$446.83$16,885$593.02$1.3K → RYLD
6$17,225$600.38$18,713$645.34$1.5K → RYLD
7$19,243$811.79$20,724$701.81$1.5K → RYLD
8$21,696$1,106.05$22,938$762.73$1.2K → RYLD
9$24,735$1,520.93$25,372$828.41$637.00 → RYLD
10← crossover$28,582$2,114.85$28,047$899.19+$535.00 → CITZ

CITZ vs RYLD: 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 →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

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.