HomeCompareCVLY vs SPHD

CVLY vs SPHD: Dividend Comparison 2026

CVLY yields 2.83% · SPHD yields 4.30%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CVLY wins by $5.2K in total portfolio value· pulled ahead in Year 5
10 years
CVLY
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 →
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 — CVLY vs SPHD

📍 CVLY pulled ahead of the other in Year 5

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 PeriodCVLYSPHD
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 + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CVLY 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.

CVLY
Annual income on $10K today (after 15% tax)
$240.43/yr
After 10yr DRIP, annual income (after tax)
$1,795.91/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, CVLY beats the other by $1,313.64/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CVLY: 50%SPHD: 50%
100% SPHD50/50100% CVLY
Portfolio after 10yr
$29.1K
Annual income
$1,340.10/yr
Blended yield
4.61%
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Analyst Conviction Gap

Where Wall Street is most bullish on CVLY right now

CVLY
Analyst Ratings
1
Buy
Consensus: Buy
Altman Z
-0.5
Piotroski
6/9
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)

CVLY buys
0
SPHD buys
0
No recent congressional trades found for CVLY or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCVLYSPHD
Forward yield2.83%4.30%
Annual dividend / share$0.68$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR17.4%0%
Portfolio after 10y$31.7K$26.5K
Annual income after 10y$2,112.83$567.37
Total dividends collected$9.7K$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCVLY PortfolioCVLY Income/yrSPHD PortfolioSPHD Income/yrGap
1$11,032$332.08$11,130$430.50$98.00SPHD
2$12,206$401.96$12,357$447.82$151.00SPHD
3$13,549$487.97$13,687$464.65$138.00SPHD
4$15,091$594.28$15,126$480.98$35.00SPHD
5← crossover$16,874$726.29$16,682$496.78+$192.00CVLY
6$18,946$891.01$18,362$512.03+$584.00CVLY
7$21,370$1,097.67$20,174$526.72+$1.2KCVLY
8$24,225$1,358.44$22,127$540.84+$2.1KCVLY
9$27,610$1,689.56$24,230$554.39+$3.4KCVLY
10$31,655$2,112.83$26,493$567.37+$5.2KCVLY

CVLY vs SPHD: Complete Analysis 2026

CVLYStock

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 →

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.