HomeCompareCRZBY vs SPHD

CRZBY vs SPHD: Dividend Comparison 2026

CRZBY yields 1.95% · SPHD yields 4.30%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $4.0K in total portfolio value
10 years
CRZBY
CRZBY
● Live price
1.95%
Share price
$37.44
Annual div
$0.73
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.5K
Annual income
$221.15
Full CRZBY calculator →
SPHD
SPHD
● Live price
4.30%
Share price
$49.61
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$567.37
Full SPHD calculator →

Portfolio growth — CRZBY vs SPHD

📍 SPHD 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 PeriodCRZBYSPHD
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, CRZBY + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CRZBY pays
SPHD pays
Both pay
Neither
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Tax Bracket Optimizer

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

CRZBY
Annual income on $10K today (after 15% tax)
$165.71/yr
After 10yr DRIP, annual income (after tax)
$187.98/yr
SPHD
Annual income on $10K today (after 15% tax)
$365.92/yr
After 10yr DRIP, annual income (after tax)
$482.26/yr
At 15% tax rate, SPHD beats the other by $294.29/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CRZBY + SPHD for your $10,000?

CRZBY: 50%SPHD: 50%
100% SPHD50/50100% CRZBY
Portfolio after 10yr
$24.5K
Annual income
$394.25/yr
Blended yield
1.61%
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Analyst Conviction Gap

Where Wall Street is most bullish on SPHD right now

CRZBY
Analyst Ratings
1
Sell
Consensus: Sell
Altman Z
0.3
Piotroski
4/9
SPHD
No analyst data
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CRZBY buys
0
SPHD buys
0
No recent congressional trades found for CRZBY or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCRZBYSPHD
Forward yield1.95%4.30%
Annual dividend / share$0.73$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$22.5K$26.5K
Annual income after 10y$221.15$567.37
Total dividends collected$2.1K$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: CRZBY vs SPHD ($10,000, DRIP)

YearCRZBY PortfolioCRZBY Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$10,895$194.95$11,130$430.50$235.00SPHD
2$11,856$198.50$12,357$447.82$501.00SPHD
3$12,888$201.88$13,687$464.65$799.00SPHD
4$13,995$205.09$15,126$480.98$1.1KSPHD
5$15,183$208.14$16,682$496.78$1.5KSPHD
6$16,457$211.04$18,362$512.03$1.9KSPHD
7$17,823$213.78$20,174$526.72$2.4KSPHD
8$19,287$216.37$22,127$540.84$2.8KSPHD
9$20,855$218.83$24,230$554.39$3.4KSPHD
10$22,536$221.15$26,493$567.37$4.0KSPHD

CRZBY vs SPHD: Complete Analysis 2026

CRZBYStock

Commerzbank AG provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. It operates through two segments, Private and Small-Business Customers, and Corporate Clients. The company offers accounts, commercial payments, payment enabling, clearing and custody, and other services; trade services, including documentary collection, letters of credit, guarantees, trade facilitation, supply chain financing, buyer's credit, and forfaiting services; and bilateral loans, club deals, Schuldschein instruments, syndicated loans, bonds, private placements, other debt instruments, and Islamic financing services. It also provides money market, and commodities and precious metals products; interest, currency, and liquidity management services, as well as wealth management services. The company operates approximately 790 branches. Commerzbank AG was founded in 1870 and is headquartered in Frankfurt am Main, Germany.

Full CRZBY Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.