Is CVLY or RYLD a better dividend investment in 2026?

CVLY currently yields 2.83% 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 CVLY and RYLD?

CVLY has a forward dividend yield of 2.83% ($0.68/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 9.31 percentage points.

Home › Compare › CVLY vs RYLD

CVLY vs RYLD: Dividend Comparison 2026

CVLY yields 2.83% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $12.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CVLY

● Live price

2.83%

Share price

$24.04

Annual div

$0.68

5Y div CAGR

17.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.7K

Annual income

$2,112.83

Full CVLY 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 — CVLY 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	CVLY	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, CVLY + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

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CVLY 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.

CVLY

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

$240.43/yr

After 10yr DRIP, annual income (after tax)

$1,795.91/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 $403.34/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 CVLY + RYLD for your $10,000?

CVLY: 50%RYLD: 50%

100% RYLD50/50100% CVLY

Portfolio after 10yr

$38.1K

Annual income

$2,350.09/yr

Blended yield

6.17%

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Analyst Conviction Gap

Where Wall Street is most bullish on CVLY right now

CVLY

Analyst Ratings

Buy

Consensus: Buy

Altman Z

-0.5

Piotroski

6/9

RYLD

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)

CVLY buys

RYLD buys

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

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

MetricCVLYRYLD

Forward yield	2.83%	12.14% ✓
Annual dividend / share	$0.68	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	17.4% ✓	0%
Portfolio after 10y	$31.7K	$44.5K ✓
Annual income after 10y	$2,112.83	$2,587.35 ✓
Total dividends collected	$9.7K	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	CVLY Portfolio	CVLY Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,032	$332.08	$11,914	$1,213.65	$882.00 → RYLD
2	$12,206	$401.96	$14,099	$1,351.30	$1.9K → RYLD
3	$13,549	$487.97	$16,580	$1,494.55	$3.0K → RYLD
4	$15,091	$594.28	$19,384	$1,642.61	$4.3K → RYLD
5	$16,874	$726.29	$22,535	$1,794.70	$5.7K → RYLD
6	$18,946	$891.01	$26,063	$1,950.00	$7.1K → RYLD
7	$21,370	$1,097.67	$29,995	$2,107.69	$8.6K → RYLD
8	$24,225	$1,358.44	$34,361	$2,266.99	$10.1K → RYLD
9	$27,610	$1,689.56	$39,194	$2,427.12	$11.6K → RYLD
10	$31,655	$2,112.83	$44,525	$2,587.35	$12.9K → RYLD

CVLY vs RYLD: Complete Analysis 2026

CVLY — Stock

Codorus Valley Bancorp, Inc. operates as the bank holding company for the PeoplesBank that provides community banking services. The company accepts demand, money market, time, and savings deposits, as well as certificates of deposit. It also offers commercial loans, such as builder and developer, commercial and residential real estate investor, hotel/motel, wholesale and retail, agriculture, manufacturing, and other loans; consume loans, including residential mortgage, home equity, and others. In addition, the company provides mortgage and wealth management services; and sells non-deposit investment products. It operates through twenty-five full service financial centers located in South Central Pennsylvania and Central Maryland. The company was founded in 1864 and is headquartered in York, Pennsylvania.

Full CVLY 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.