HomeCompareCZBC vs QYLD

CZBC vs QYLD: Dividend Comparison 2026

CZBC yields 1.47% · QYLD yields 11.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 QYLD wins by $5.2K in total portfolio value· pulled ahead in Year 8
10 years
CZBC
CZBC
● Live price
1.47%
Share price
$13.64
Annual div
$0.20
5Y div CAGR
-31.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.2K
Annual income
$3.52
Full CZBC calculator →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
11.92%
Share price
$17.15
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.4K
Annual income
$5,659.31
Full QYLD calculator →

Portfolio growth — CZBC vs QYLD

📍 QYLD pulled ahead of the other in Year 8

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 PeriodCZBCQYLD
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, CZBC + QYLD cover 0 of 12 monthsgood coverage

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

CZBC
Annual income on $10K today (after 15% tax)
$124.63/yr
After 10yr DRIP, annual income (after tax)
$2.99/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 $4,807.42/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CZBC + QYLD for your $10,000?

CZBC: 50%QYLD: 50%
100% QYLD50/50100% CZBC
Portfolio after 10yr
$22.8K
Annual income
$2,831.42/yr
Blended yield
12.42%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CZBC buys
0
QYLD buys
1
PoliticianChamberTickerTypeAmountDate
Tim Moore🏢 House$QYLD▼ Sell$15,001 - $50,0002025-05-02
Tim Moore🏢 House$QYLD▲ Buy$15,001 - $50,0002025-04-07
Dwight Evans🏢 House$QYLD▼ Sell$1,001 - $15,0002022-11-14
Dwight Evans🏢 House$QYLD▼ Sell$1,001 - $15,0002020-10-29
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBCQYLD
Forward yield1.47%11.92%
Annual dividend / share$0.20$2.04
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-31.3%0%
Portfolio after 10y$20.2K$25.4K
Annual income after 10y$3.52$5,659.31
Total dividends collected$318.00$27.1K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearCZBC PortfolioCZBC Income/yrQYLD PortfolioQYLD Income/yrGap
1$10,801$100.73$10,352$1,192.36+$449.00CZBC
2$11,627$69.86$10,830$1,347.57+$797.00CZBC
3$12,489$48.28$11,460$1,539.07+$1.0KCZBC
4$13,396$33.30$12,275$1,777.84+$1.1KCZBC
5$14,357$22.93$13,323$2,078.95+$1.0KCZBC
6$15,378$15.78$14,667$2,463.34+$711.00CZBC
7$16,465$10.85$16,396$2,960.57+$69.00CZBC
8← crossover$17,625$7.46$18,631$3,612.97$1.0KQYLD
9$18,864$5.13$21,548$4,482.15$2.7KQYLD
10$20,188$3.52$25,398$5,659.31$5.2KQYLD

CZBC vs QYLD: Complete Analysis 2026

CZBCStock

Citizens Bancorp operates as the holding company for Citizens Bank that provides various banking products and services to individuals and businesses. The company accepts personal and business checking and savings accounts. Its loan products include personal loans, such as personal lines of credit, credit cards, savings or CD secured loans, home equity lines of credit, property improvement loans, auto loans/recreational vehicle loans, and other personal loans; business loans comprising real estate loans, agricultural loans, equipment loans, inventory loans, working capital lines of credit, letters of credit, government sponsored loans, and other business loans; and mortgage loans. The company also provides online and mobile banking, merchant, bill pay, order check, merchant, remote deposit capture, and other financial services. It operates 15 branches in Benton, Clackamas, Lane, Linn, Marion, Polk, Washington, and Yamhill counties in Oregon. Citizens Bancorp was founded in 1957 and is headquartered in Corvallis, Oregon.

Full CZBC Calculator →

QYLDETF

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.