Is CMUV or XYLD a better dividend investment in 2026?

CMUV currently yields 1.46% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between CMUV and XYLD?

CMUV has a forward dividend yield of 1.46% ($0.36/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 9.52 percentage points.

Home › Compare › CMUV vs XYLD

CMUV vs XYLD: Dividend Comparison 2026

CMUV yields 1.46% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 CMUV wins by $17.55M in total portfolio value

INVESTMENT

TIME HORIZON10 years

CMUV

● Live price

1.46%

Share price

$24.72

Annual div

$0.36

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$17.57M

Annual income

$15,525,557.38

Full CMUV calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — CMUV vs XYLD

📍 CMUV pulled ahead of the other in Year 1

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	CMUV	XYLD
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, CMUV + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CMUV pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CMUV

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

$123.78/yr

After 10yr DRIP, annual income (after tax)

$13,196,723.77/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, CMUV beats the other by $13,193,987.61/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CMUV + XYLD for your $10,000?

CMUV: 50%XYLD: 50%

100% XYLD50/50100% CMUV

Portfolio after 10yr

$8.80M

Annual income

$7,764,388.20/yr

Blended yield

88.24%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CMUV buys

XYLD buys

No recent congressional trades found for CMUV or XYLD in the last 90 days.

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

MetricCMUVXYLD

Forward yield	1.46%	10.98% ✓
Annual dividend / share	$0.36	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$17.57M	$25.3K ✓
Annual income after 10y	$15,525,557.38 ✓	$3,219.02
Total dividends collected	$17.39M	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: CMUV vs XYLD ($10,000, DRIP)

Year	CMUV Portfolio	CMUV Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$10,991	$291.25	$10,818	$1,098.39	+$173.00 → CMUV
2	$12,359	$598.36	$11,738	$1,222.51	+$621.00 → CMUV
3	$14,482	$1,257.60	$12,774	$1,364.64	+$1.7K → CMUV
4	$18,250	$2,754.39	$13,944	$1,527.86	+$4.3K → CMUV
5	$26,015	$6,487.99	$15,270	$1,715.87	+$10.7K → CMUV
6	$45,124	$17,287.28	$16,775	$1,933.09	+$28.3K → CMUV
7	$104,329	$56,046.45	$18,490	$2,184.87	+$85.8K → CMUV
8	$353,843	$242,211.10	$20,450	$2,477.63	+$333.4K → CMUV
9	$1,914,101	$1,535,488.81	$22,697	$2,819.19	+$1.89M → CMUV
10	$17,573,645	$15,525,557.38	$25,280	$3,219.02	+$17.55M → CMUV

CMUV vs XYLD: Complete Analysis 2026

CMUV — Stock

CMUV Bancorp operates as the bank holding company for Community Valley Bank that provides financial services to individuals and businesses in California. The company offers checking, money market, and savings accounts; and lending and investment products. It also provides construction and land development, commercial real estate and other, commercial and industrial, and consumer loan products, as well as online and mobile banking services. The company operates through five full-service offices in El Centro, Brawley, Borrego Springs, Palm Desert, and Julian, as well as a loan production office in La Mesa. CMUV Bancorp was founded in 2007 and is based in El Centro, California.

Full CMUV Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.