Is EPSB or RYLD a better dividend investment in 2026?

EPSB currently yields 1.28% with a 5% 5-year dividend growth rate. RYLD yields 4.00% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between EPSB and RYLD?

EPSB has a forward dividend yield of 1.28% ($0.31/share annually). RYLD yields 4.00% ($2.00/share annually). The yield gap is 2.72 percentage points.

Home › Compare › EPSB vs RYLD

EPSB vs RYLD: Dividend Comparison 2026

EPSB yields 1.28% · RYLD yields 4.00%● Live data

vsPost on X →

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

🏆 RYLD wins by $6.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

EPSB

● Live price

1.28%

Share price

$24.15

Annual div

$0.31

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.5K

Annual income

$139.16

Full EPSB calculator →

RYLD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full RYLD calculator →

Portfolio growth — EPSB vs RYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

EPSB 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.

EPSB

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

$108.86/yr

After 10yr DRIP, annual income (after tax)

$118.29/yr

RYLD

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, RYLD beats the other by $646.03/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of EPSB + RYLD for your $10,000?

EPSB: 50%RYLD: 50%

100% RYLD50/50100% EPSB

Portfolio after 10yr

$24.8K

Annual income

$519.18/yr

Blended yield

2.10%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

EPSB buys

RYLD buys

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

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

MetricEPSBRYLD

Forward yield	1.28%	4.00% ✓
Annual dividend / share	$0.31	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$21.5K	$28.0K ✓
Annual income after 10y	$139.16	$899.19 ✓
Total dividends collected	$1.3K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	EPSB Portfolio	EPSB Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,828	$128.07	$11,120	$420.00	$292.00 → RYLD
2	$11,716	$129.60	$12,357	$458.31	$641.00 → RYLD
3	$12,667	$131.05	$13,721	$499.76	$1.1K → RYLD
4	$13,686	$132.42	$15,227	$544.58	$1.5K → RYLD
5	$14,778	$133.72	$16,885	$593.02	$2.1K → RYLD
6	$15,947	$134.94	$18,713	$645.34	$2.8K → RYLD
7	$17,199	$136.09	$20,724	$701.81	$3.5K → RYLD
8	$18,540	$137.17	$22,938	$762.73	$4.4K → RYLD
9	$19,977	$138.20	$25,372	$828.41	$5.4K → RYLD
10	$21,514	$139.16	$28,047	$899.19	$6.5K → RYLD

EPSB vs RYLD: Complete Analysis 2026

EPSB — Stock

Harbor SMID Cap Core ETF (EPSB) is a series of the Harbor ETF Trust. The fund seeks long-term total return by investing primarily in common stocks and other equity securities of U.S. small- and mid-capitalization (SMID cap) companies. The ETF is actively managed to provide diversified exposure to companies with strong business fundamentals and growth prospects within the SMID cap segment. Shares are listed on NYSE Arca and trade throughout the day at market prices, which may differ from the net asset value (NAV). The fund is suitable for investors seeking efficient, liquid access to U.S. SMID cap equities.

Full EPSB Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

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.