HomeCompareCMHF vs SCHD

CMHF vs SCHD: Dividend Comparison 2026

CMHF yields 1.03% · SCHD yields 3.46%● 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
10 years
CMHF
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 →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — CMHF vs SCHD

📍 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 PeriodCMHFSCHD
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%.
📅

Dividend Calendar Overlap

Combined, CMHF + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CMHF pays
SCHD 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
SCHD
Annual income on $10K today (after 15% tax)
$294.40/yr
After 10yr DRIP, annual income (after tax)
$362.06/yr
At 15% tax rate, CMHF beats the other by $3,637,329.65/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CMHF: 50%SCHD: 50%
100% SCHD50/50100% CMHF
Portfolio after 10yr
$2.55M
Annual income
$2,140,031.62/yr
Blended yield
83.84%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CMHF buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCMHFSCHD
Forward yield1.03%3.46%
Annual dividend / share$0.32$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$5.08M$29.0K
Annual income after 10y$4,279,637.30$425.95
Total dividends collected$4.99M$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCMHF PortfolioCMHF Income/yrSCHD PortfolioSCHD Income/yrGap
1$10,906$206.45$11,226$346.36$320.00SCHD
2$12,091$420.87$12,572$357.38$481.00SCHD
3$13,809$872.10$14,046$367.84$237.00SCHD
4← crossover$16,638$1,861.77$15,660$377.73+$978.00CMHF
5$21,995$4,192.71$17,425$387.07+$4.6KCMHF
6$33,895$10,360.32$19,354$395.86+$14.5KCMHF
7$66,110$29,842.19$21,461$404.13+$44.6KCMHF
8$179,532$108,794.65$23,762$411.89+$155.8KCMHF
9$744,342$552,242.96$26,272$419.15+$718.1KCMHF
10$5,076,084$4,279,637.30$29,010$425.95+$5.05MCMHF

CMHF vs SCHD: Complete Analysis 2026

CMHFStock

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 →

SCHDETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD Calculator →
📬

Get this CMHF vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CMHF vs JEPICMHF vs OCMHF vs KOCMHF vs MAINCMHF vs VYMCMHF vs DGROCMHF vs VIGCMHF vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.