Is CMHF or DIVO a better dividend investment in 2026?

CMHF currently yields 1.03% with a 5% 5-year dividend growth rate. DIVO yields 6.62% with 5% growth. The better choice depends on your goal: DIVO offers higher current income.

What is the dividend yield difference between CMHF and DIVO?

CMHF has a forward dividend yield of 1.03% ($0.32/share annually). DIVO yields 6.62% ($2.91/share annually). The yield gap is 5.59 percentage points.

Home › Compare › CMHF vs DIVO

CMHF vs DIVO: Dividend Comparison 2026

CMHF yields 1.03% · DIVO yields 6.62%● Live data

vsPost on X →

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

🏆 CMHF wins by $5.05M in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

CMHF

● Live price

1.03%

Share price

$31.00

Annual div

$0.32

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$5.08M

Annual income

$4,279,637.30

Full CMHF calculator →

DIVO

● Live price

6.62%

Share price

$44.00

Annual div

$2.91

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.0K

Annual income

$1,008.47

Full DIVO calculator →

Portfolio growth — CMHF vs DIVO

📍 CMHF pulled ahead of the other in Year 4

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	CMHF	DIVO
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, CMHF + DIVO cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CMHF pays

DIVO pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CMHF

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

$87.74/yr

After 10yr DRIP, annual income (after tax)

$3,637,691.70/yr

DIVO

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

$562.67/yr

After 10yr DRIP, annual income (after tax)

$857.20/yr

At 15% tax rate, CMHF beats the other by $3,636,834.51/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CMHF + DIVO for your $10,000?

CMHF: 50%DIVO: 50%

100% DIVO50/50100% CMHF

Portfolio after 10yr

$2.55M

Annual income

$2,140,322.89/yr

Blended yield

83.82%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CMHF buys

DIVO buys

No recent congressional trades found for CMHF or DIVO in the last 90 days.

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

MetricCMHFDIVO

Forward yield	1.03%	6.62% ✓
Annual dividend / share	$0.32	$2.91 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$5.08M	$31.0K ✓
Annual income after 10y	$4,279,637.30 ✓	$1,008.47
Total dividends collected	$4.99M	$8.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: CMHF vs DIVO ($10,000, DRIP)

Year	CMHF Portfolio	CMHF Income/yr	DIVO Portfolio	DIVO Income/yr	Gap
1	$10,906	$206.45	$11,362	$661.96	$456.00 → DIVO
2	$12,091	$420.87	$12,860	$702.91	$769.00 → DIVO
3	$13,809	$872.10	$14,504	$743.56	$695.00 → DIVO
4← crossover	$16,638	$1,861.77	$16,303	$783.73	+$335.00 → CMHF
5	$21,995	$4,192.71	$18,268	$823.31	+$3.7K → CMHF
6	$33,895	$10,360.32	$20,408	$862.17	+$13.5K → CMHF
7	$66,110	$29,842.19	$22,737	$900.20	+$43.4K → CMHF
8	$179,532	$108,794.65	$25,266	$937.31	+$154.3K → CMHF
9	$744,342	$552,242.96	$28,008	$973.42	+$716.3K → CMHF
10	$5,076,084	$4,279,637.30	$30,977	$1,008.47	+$5.05M → CMHF

CMHF vs DIVO: Complete Analysis 2026

CMHF — Stock

Community Heritage Financial, Inc., through its subsidiaries, provides retail and commercial banking services to individuals and businesses in Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia. It operates in two segments, Commercial Banking and Mortgage Banking. The Commercial Banking segment offers commercial loans, real estate loans, installment loans, and consumer loans, as well as other business financing services; and deposit products, including demand deposit accounts, savings accounts, time deposit, and certificates of deposit. The Mortgage Banking segment primarily engages in the origination of residential mortgages for sale into the secondary market. The company also provides life insurance services. It operates through a network of eight branches located in Frederick and Washington Counties, Maryland. The company was incorporated in 2018 and is based in Middletown, Maryland.

Full CMHF Calculator →

DIVO — ETF

DIVO is an ETF of high-quality large cap companies with a history of dividend and earnings growth, along with a tactical covered call* strategy on individual stocks. DIVO is strategically designed to offer high levels of total return on a risk-adjusted basis.

Full DIVO 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.