Is CVCY or QYLD a better dividend investment in 2026?

CVCY currently yields 2.41% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between CVCY and QYLD?

CVCY has a forward dividend yield of 2.41% ($0.48/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 9.51 percentage points.

Home › Compare › CVCY vs QYLD

CVCY vs QYLD: Dividend Comparison 2026

CVCY yields 2.41% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 CVCY wins by $323.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

CVCY

● Live price

2.41%

Share price

$19.89

Annual div

$0.48

5Y div CAGR

9.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.7K

Annual income

$745.56

Full CVCY calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — CVCY vs QYLD

📍 CVCY 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	CVCY	QYLD
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, CVCY + QYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CVCY pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

CVCY

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

$205.13/yr

After 10yr DRIP, annual income (after tax)

$633.73/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,176.69/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 CVCY + QYLD for your $10,000?

CVCY: 50%QYLD: 50%

100% QYLD50/50100% CVCY

Portfolio after 10yr

$25.6K

Annual income

$3,202.44/yr

Blended yield

12.53%

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Analyst Conviction Gap

Where Wall Street is most bullish on CVCY right now

CVCY

Analyst Ratings

Buy

Hold

Consensus: Buy

Altman Z

0.4

Piotroski

5/9

QYLD

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)

CVCY buys

QYLD buys

No recent congressional trades found for CVCY or QYLD in the last 90 days.

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

MetricCVCYQYLD

Forward yield	2.41%	11.92% ✓
Annual dividend / share	$0.48	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	9.3% ✓	0%
Portfolio after 10y	$25.7K ✓	$25.4K
Annual income after 10y	$745.56	$5,659.31 ✓
Total dividends collected	$4.7K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: CVCY vs QYLD ($10,000, DRIP)

Year	CVCY Portfolio	CVCY Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$10,964	$263.77	$10,352	$1,192.36	+$612.00 → CVCY
2	$12,027	$295.41	$10,830	$1,347.57	+$1.2K → CVCY
3	$13,200	$331.01	$11,460	$1,539.07	+$1.7K → CVCY
4	$14,495	$371.10	$12,275	$1,777.84	+$2.2K → CVCY
5	$15,925	$416.27	$13,323	$2,078.95	+$2.6K → CVCY
6	$17,507	$467.20	$14,667	$2,463.34	+$2.8K → CVCY
7	$19,258	$524.65	$16,396	$2,960.57	+$2.9K → CVCY
8	$21,195	$589.50	$18,631	$3,612.97	+$2.6K → CVCY
9	$23,342	$662.76	$21,548	$4,482.15	+$1.8K → CVCY
10	$25,721	$745.56	$25,398	$5,659.31	+$323.00 → CVCY

CVCY vs QYLD: Complete Analysis 2026

CVCY — Stock

Central Valley Community Bancorp operates as the bank holding company for the Central Valley Community Bank that provides various commercial banking services to small and middle-market businesses and individuals in the central valley area of California. The company accepts demand, savings, and time deposits; certificates of deposit; and non-interest-bearing demand deposits, as well as provides NOW and money market accounts. Its loan products include commercial and industrial loans, as well as loans secured by crop production and livestock; owner occupied and investor commercial real estate, real estate construction and other land, agricultural real estate, and other real estate loans; and equity loans and lines of credit, and installment and other consumer loans. The company also offers domestic and international wire transfer, safe deposit box, Internet banking, and other customary banking services. As of December 31, 2021, the company operated through a network of 20 full-service banking offices in Cameron Park, Clovis, Exeter, Folsom, Fresno, Gold River, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Prather, Roseville, Sacramento, Stockton, and Visalia. Central Valley Community Bancorp was founded in 1979 and is based in Fresno, California.

Full CVCY Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.