HomeCompareCYSM vs SPHD

CYSM vs SPHD: Dividend Comparison 2026

CYSM yields 1.54% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CYSM wins by $21.96M in total portfolio value· pulled ahead in Year 2
10 years
CYSM
CYSM
● Live price
1.54%
Share price
$19.45
Annual div
$0.30
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.98M
Annual income
$19,547,470.13
Full CYSM calculator →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — CYSM vs SPHD

📍 CYSM pulled ahead of the other in Year 2

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 PeriodCYSMSPHD
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, CYSM + SPHD cover 0 of 12 monthsgood coverage

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

CYSM
Annual income on $10K today (after 15% tax)
$131.11/yr
After 10yr DRIP, annual income (after tax)
$16,615,349.61/yr
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, CYSM beats the other by $16,614,863.99/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CYSM: 50%SPHD: 50%
100% SPHD50/50100% CYSM
Portfolio after 10yr
$11.00M
Annual income
$9,774,020.73/yr
Blended yield
88.82%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CYSM buys
0
SPHD buys
0
No recent congressional trades found for CYSM or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCYSMSPHD
Forward yield1.54%4.33%
Annual dividend / share$0.30$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$21.98M$26.5K
Annual income after 10y$19,547,470.13$571.32
Total dividends collected$21.77M$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearCYSM PortfolioCYSM Income/yrSPHD PortfolioSPHD Income/yrGap
1$11,008$308.48$11,133$432.85$125.00SPHD
2← crossover$12,414$634.75$12,363$450.36+$51.00CYSM
3$14,621$1,337.92$13,695$467.39+$926.00CYSM
4$18,590$2,945.36$15,138$483.90+$3.5KCYSM
5$26,891$6,999.79$16,697$499.88+$10.2KCYSM
6$47,699$18,926.18$18,382$515.31+$29.3KCYSM
7$113,789$62,750.80$20,198$530.17+$93.6KCYSM
8$401,559$279,804.63$22,157$544.46+$379.4KCYSM
9$2,275,322$1,845,654.63$24,266$558.18+$2.25MCYSM
10$21,982,065$19,547,470.13$26,536$571.32+$21.96MCYSM

CYSM vs SPHD: Complete Analysis 2026

CYSMStock

Community Bancorp of Santa Maria, through its subsidiary, Community Bank of Santa Maria, provides various banking products and services for businesses and individuals. The company's deposit products include checking, NOW, money market savings, savings, seedling, Christmas Club, individual retirement, and CDARS accounts; and certificates of deposit. Its loan portfolio comprises home equity lines of credit, personal and commercial real estate loans, commercial construction loans, personal and vehicle loans, mortgage loans, agribusiness loans, commercial equipment loans, commercial and multi-family real estate loans, and commercial revolving lines of credit, as well as Redi-Credit. The company also provides credit and debit cards; and e-banking services. It operates through 2 full-service offices in the Central Coast area of California. The company was founded in 2001 and is based in Santa Maria, California.

Full CYSM 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.