Is EMCF or RYLD a better dividend investment in 2026?

EMCF currently yields 68.61% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: EMCF offers higher current income.

What is the dividend yield difference between EMCF and RYLD?

EMCF has a forward dividend yield of 68.61% ($21.68/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 56.22 percentage points.

Home › Compare › EMCF vs RYLD

EMCF vs RYLD: Dividend Comparison 2026

EMCF yields 68.61% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 EMCF wins by $159.73M in total portfolio value

INVESTMENT

TIME HORIZON10 years

EMCF

● Live price

68.61%

Share price

$31.60

Annual div

$21.68

5Y div CAGR

22.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$159.78M

Annual income

$115,005,568.27

Full EMCF calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — EMCF vs RYLD

📍 EMCF 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	EMCF	RYLD
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, EMCF + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

EMCF pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

EMCF

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

$5,831.65/yr

After 10yr DRIP, annual income (after tax)

$97,754,733.03/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, EMCF beats the other by $97,752,452.50/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 EMCF + RYLD for your $10,000?

EMCF: 50%RYLD: 50%

100% RYLD50/50100% EMCF

Portfolio after 10yr

$79.91M

Annual income

$57,504,125.62/yr

Blended yield

71.96%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

EMCF buys

RYLD buys

No recent congressional trades found for EMCF or RYLD in the last 90 days.

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

MetricEMCFRYLD

Forward yield	68.61% ✓	12.39%
Annual dividend / share	$21.68 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	22.1% ✓	0%
Portfolio after 10y	$159.78M ✓	$45.3K
Annual income after 10y	$115,005,568.27 ✓	$2,682.98
Total dividends collected	$155.59M ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: EMCF vs RYLD ($10,000, DRIP)

Year	EMCF Portfolio	EMCF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$19,077	$8,376.99	$11,939	$1,239.34	+$7.1K → EMCF
2	$38,648	$18,236.00	$14,158	$1,382.89	+$24.5K → EMCF
3	$83,512	$42,158.28	$16,682	$1,532.59	+$66.8K → EMCF
4	$193,310	$103,951.94	$19,537	$1,687.64	+$173.8K → EMCF
5	$481,422	$274,580.27	$22,752	$1,847.20	+$458.7K → EMCF
6	$1,295,442	$780,320.52	$26,355	$2,010.43	+$1.27M → EMCF
7	$3,782,179	$2,396,056.69	$30,376	$2,176.45	+$3.75M → EMCF
8	$12,029,694	$7,982,762.21	$34,847	$2,344.43	+$11.99M → EMCF
9	$41,845,044	$28,973,271.57	$39,800	$2,513.54	+$41.81M → EMCF
10	$159,779,766	$115,005,568.27	$45,269	$2,682.98	+$159.73M → EMCF

EMCF vs RYLD: Complete Analysis 2026

EMCF — Stock

Emclaire Financial Corp operates as the bank holding company for The Farmers National Bank of Emlenton that provides retail and commercial financial products and services to individuals and businesses in western Pennsylvania. The company's deposit products include checking, savings, and term certificate accounts; savings and time deposits; non-interest bearing and interest-bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, home equity loans, commercial business and commercial real estate loans, consumer loans, and loans to one borrower. The company operates a network of 19 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, and Pennsylvania. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.

Full EMCF Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD 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.