Is CRCBY or RYLD a better dividend investment in 2026?

CRCBY currently yields 5.08% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between CRCBY and RYLD?

CRCBY has a forward dividend yield of 5.08% ($1.98/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 7.06 percentage points.

Home › Compare › CRCBY vs RYLD

CRCBY vs RYLD: Dividend Comparison 2026

CRCBY yields 5.08% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $24.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CRCBY

● Live price

5.08%

Share price

$39.00

Annual div

$1.98

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.6K

Annual income

$0.52

Full CRCBY calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — CRCBY vs RYLD

📍 RYLD pulled ahead of the other in Year 1

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 Period	CRCBY	RYLD
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, CRCBY + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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CRCBY pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

CRCBY

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

$432.06/yr

After 10yr DRIP, annual income (after tax)

$0.44/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, RYLD beats the other by $2,198.81/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

CRCBY: 50%RYLD: 50%

100% RYLD50/50100% CRCBY

Portfolio after 10yr

$32.5K

Annual income

$1,293.93/yr

Blended yield

3.98%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRCBY buys

RYLD buys

No recent congressional trades found for CRCBY or RYLD in the last 90 days.

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

MetricCRCBYRYLD

Forward yield	5.08%	12.14% ✓
Annual dividend / share	$1.98 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$20.6K	$44.5K ✓
Annual income after 10y	$0.52	$2,587.35 ✓
Total dividends collected	$516.00 ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CRCBY Portfolio	CRCBY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,954	$254.16	$11,914	$1,213.65	$960.00 → RYLD
2	$11,851	$130.10	$14,099	$1,351.30	$2.2K → RYLD
3	$12,746	$65.77	$16,580	$1,494.55	$3.8K → RYLD
4	$13,672	$33.06	$19,384	$1,642.61	$5.7K → RYLD
5	$14,645	$16.57	$22,535	$1,794.70	$7.9K → RYLD
6	$15,679	$8.29	$26,063	$1,950.00	$10.4K → RYLD
7	$16,780	$4.15	$29,995	$2,107.69	$13.2K → RYLD
8	$17,957	$2.07	$34,361	$2,266.99	$16.4K → RYLD
9	$19,215	$1.04	$39,194	$2,427.12	$20.0K → RYLD
10	$20,561	$0.52	$44,525	$2,587.35	$24.0K → RYLD

CRCBY vs RYLD: Complete Analysis 2026

CRCBY — Stock

Chongqing Rural Commercial Bank Co., Ltd., together with its subsidiaries, provides a range of banking and related financial services in the People's Republic of China. It operates in three segments: Corporate Banking, Personal Banking, and Financial Market Operations. The Corporate Banking segment offers financial products and services, including deposit takings, corporate loans, trade financing, financial leasing, and other corporate intermediary services to corporations, government agencies, and financial institutions. The Personal Banking segment provides financial products and services, such as deposit products, personal loans, cards, personal wealth management services, and other types of personal intermediary services to individual customers. The Financial Market Operations segment conducts money market or repurchase transactions; and invests in debt instruments for its own accounts or on behalf of customers. The company also provides mobile banking, Internet banking, and telephone banking services. As of 31 December 2021, it had operated 1,760 branches, including the head office and the business department, 7 branches, 35 first-class sub-branches, 134 second-class sub-branches, 2 community sub-branches, and 1,580 branch offices, as well as 145 self-service 24-hour banking centers. The company was formerly known as Chongqing Rural Credit Union and changed its name to Chongqing Rural Commercial Bank Co., Ltd. in 2008. Chongqing Rural Commercial Bank Co., Ltd. was founded in 1951 and is headquartered in Chongqing, China.

Full CRCBY Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

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.