HomeCompareCMHF vs VYM

CMHF vs VYM: Dividend Comparison 2026

CMHF yields 1.03% · VYM yields 2.41%● 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 3
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 →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.41%
Share price
$145.48
Annual div
$3.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$278.55
Full VYM calculator →

Portfolio growth — CMHF vs VYM

📍 CMHF pulled ahead of the other in Year 3

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 PeriodCMHFVYM
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 + VYM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CMHF pays
VYM pays
Both pay
Neither
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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
VYM
Annual income on $10K today (after 15% tax)
$205.23/yr
After 10yr DRIP, annual income (after tax)
$236.77/yr
At 15% tax rate, CMHF beats the other by $3,637,454.94/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CMHF: 50%VYM: 50%
100% VYM50/50100% CMHF
Portfolio after 10yr
$2.55M
Annual income
$2,139,957.92/yr
Blended yield
83.86%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CMHF buys
0
VYM buys
0
No recent congressional trades found for CMHF or VYM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCMHFVYM
Forward yield1.03%2.41%
Annual dividend / share$0.32$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$5.08M$27.8K
Annual income after 10y$4,279,637.30$278.55
Total dividends collected$4.99M$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCMHF PortfolioCMHF Income/yrVYM PortfolioVYM Income/yrGap
1$10,906$206.45$11,151$241.44$245.00VYM
2$12,091$420.87$12,413$246.79$322.00VYM
3← crossover$13,809$872.10$13,794$251.79+$15.00CMHF
4$16,638$1,861.77$15,306$256.47+$1.3KCMHF
5$21,995$4,192.71$16,960$260.84+$5.0KCMHF
6$33,895$10,360.32$18,768$264.92+$15.1KCMHF
7$66,110$29,842.19$20,745$268.71+$45.4KCMHF
8$179,532$108,794.65$22,905$272.24+$156.6KCMHF
9$744,342$552,242.96$25,265$275.51+$719.1KCMHF
10$5,076,084$4,279,637.30$27,842$278.55+$5.05MCMHF

CMHF vs VYM: 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 →

VYMETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.