Is ELMA or VYM a better dividend investment in 2026?

ELMA currently yields 2.54% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: ELMA offers higher current income.

What is the dividend yield difference between ELMA and VYM?

ELMA has a forward dividend yield of 2.54% ($0.60/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 0.13 percentage points.

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ELMA vs VYM: Dividend Comparison 2026

ELMA yields 2.54% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 ELMA wins by $188.14M in total portfolio value

INVESTMENT

TIME HORIZON10 years

ELMA

● Live price

2.54%

Share price

$23.60

Annual div

$0.60

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$188.16M

Annual income

$174,944,462.78

Full ELMA calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.41%

Share price

$145.48

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$278.55

Full VYM calculator →

Portfolio growth — ELMA vs VYM

📍 ELMA 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	ELMA	VYM
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, ELMA + VYM cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

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ELMA pays

VYM pays

Both pay

Neither

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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

ELMA

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

$216.10/yr

After 10yr DRIP, annual income (after tax)

$148,702,793.36/yr

VYM

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

$205.23/yr

After 10yr DRIP, annual income (after tax)

$236.77/yr

At 15% tax rate, ELMA beats the other by $148,702,556.60/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 ELMA + VYM for your $10,000?

ELMA: 50%VYM: 50%

100% VYM50/50100% ELMA

Portfolio after 10yr

$94.10M

Annual income

$87,472,370.66/yr

Blended yield

92.96%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ELMA buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02

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

MetricELMAVYM

Forward yield	2.54% ✓	2.41%
Annual dividend / share	$0.60	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$188.16M ✓	$27.8K
Annual income after 10y	$174,944,462.78 ✓	$278.55
Total dividends collected	$187.16M ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: ELMA vs VYM ($10,000, DRIP)

Year	ELMA Portfolio	ELMA Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,208	$508.47	$11,151	$241.44	+$57.00 → ELMA
2	$13,058	$1,065.28	$12,413	$246.79	+$645.00 → ELMA
3	$16,292	$2,319.80	$13,794	$251.79	+$2.5K → ELMA
4	$22,843	$5,409.89	$15,306	$256.47	+$7.5K → ELMA
5	$38,619	$14,177.48	$16,960	$260.84	+$21.7K → ELMA
6	$86,125	$44,802.44	$18,768	$264.92	+$67.4K → ELMA
7	$278,910	$186,756.08	$20,745	$268.71	+$258.2K → ELMA
8	$1,428,896	$1,130,462.73	$22,905	$272.24	+$1.41M → ELMA
9	$12,354,210	$10,825,291.75	$25,265	$275.51	+$12.33M → ELMA
10	$188,163,468	$174,944,462.78	$27,842	$278.55	+$188.14M → ELMA

ELMA vs VYM: Complete Analysis 2026

ELMA — Stock

Elmer Bancorp, Inc. operates as the bank holding company for The First National Bank of Elmer that provides various business and personal banking products and services. It provides checking, money market, savings, NOW, Christmas club, and individual retirement accounts; and certificates of deposit. The company also offers business loans comprising owner occupied real estate, investment real estate, agricultural, business expansion, vehicle, term, construction, and construction to permanent loans, as well as business lines of credit and letters of credit; and small business administration loans, term loans, home equity loans, lines of credit, residential mortgages, consumer loans, and commercial mortgages. In addition, it provides merchant, cash management, remote deposit capture, and electronic bill payments services; mobile, text message, and online banking services; VISA check cards; and debit and credit cards. The company offers its products and services through six full-service branch offices located in Cumberland, Gloucester, and Salem Counties, New Jersey. Elmer Bancorp, Inc. was founded in 1903 and is based in Elmer, New Jersey.

Full ELMA Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.