Is CZBS or QYLD a better dividend investment in 2026?

CZBS currently yields 2.55% 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 CZBS and QYLD?

CZBS has a forward dividend yield of 2.55% ($1.20/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 9.37 percentage points.

Home › Compare › CZBS vs QYLD

CZBS vs QYLD: Dividend Comparison 2026

CZBS yields 2.55% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 CZBS wins by $63.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

CZBS

● Live price

2.55%

Share price

$47.10

Annual div

$1.20

5Y div CAGR

42.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$88.6K

Annual income

$27,371.47

Full CZBS 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 — CZBS vs QYLD

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

Jan

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Feb

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Mar

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Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

CZBS 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.

CZBS

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

$216.56/yr

After 10yr DRIP, annual income (after tax)

$23,265.75/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, CZBS beats the other by $18,455.34/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 CZBS + QYLD for your $10,000?

CZBS: 50%QYLD: 50%

100% QYLD50/50100% CZBS

Portfolio after 10yr

$57.0K

Annual income

$16,515.39/yr

Blended yield

28.98%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CZBS buys

QYLD buys

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

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

MetricCZBSQYLD

Forward yield	2.55%	11.92% ✓
Annual dividend / share	$1.20	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	42.5% ✓	0%
Portfolio after 10y	$88.6K ✓	$25.4K
Annual income after 10y	$27,371.47 ✓	$5,659.31
Total dividends collected	$62.2K ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	CZBS Portfolio	CZBS Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$11,063	$363.06	$10,352	$1,192.36	+$711.00 → CZBS
2	$12,372	$534.91	$10,830	$1,347.57	+$1.5K → CZBS
3	$14,035	$796.69	$11,460	$1,539.07	+$2.6K → CZBS
4	$16,221	$1,203.61	$12,275	$1,777.84	+$3.9K → CZBS
5	$19,209	$1,852.60	$13,323	$2,078.95	+$5.9K → CZBS
6	$23,476	$2,921.74	$14,667	$2,463.34	+$8.8K → CZBS
7	$29,874	$4,755.32	$16,396	$2,960.57	+$13.5K → CZBS
8	$40,025	$8,059.18	$18,631	$3,612.97	+$21.4K → CZBS
9	$57,206	$14,379.77	$21,548	$4,482.15	+$35.7K → CZBS
10	$88,582	$27,371.47	$25,398	$5,659.31	+$63.2K → CZBS

CZBS vs QYLD: Complete Analysis 2026

CZBS — Stock

Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers. The company offers checking and savings accounts; and demand and money market deposits. Its loan products include commercial, financial, and agricultural loans; loans secured by personal property, such as automobiles, marketable securities, and other titled recreational vehicles and motorcycles, as well as unsecured consumer debt; commercial real estate loans; single-family residential loans; and construction and development loans. The company also offers investment accounts and certificate of deposit account registry services. In addition, it provides merchant services, which include point of sale terminal, credit and debit card processing, electronic benefits transfer, gift card, and Internet shopping cart services; cash management services; and credit cards. Further, the company offers online and mobile banking, and check reorder services. It operates five full-service branches in metropolitan Atlanta; one full-service branch in Birmingham, Alabama; and one full-service branch in Eutaw, Alabama. The company was founded in 1921 and is headquartered in Atlanta, Georgia.

Full CZBS 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.