Is ESBK or RYLD a better dividend investment in 2026?

ESBK currently yields 69.69% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: ESBK offers higher current income.

What is the dividend yield difference between ESBK and RYLD?

ESBK has a forward dividend yield of 69.69% ($16.08/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 57.55 percentage points.

Home › Compare › ESBK vs RYLD

ESBK vs RYLD: Dividend Comparison 2026

ESBK yields 69.69% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $3.8K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

ESBK

● Live price

69.69%

Share price

$23.08

Annual div

$16.08

5Y div CAGR

-42.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$40.8K

Annual income

$57.96

Full ESBK calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — ESBK vs RYLD

📍 RYLD pulled ahead of the other in Year 9

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	ESBK	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, ESBK + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

—

Oct

—

Nov

—

Dec

—

ESBK 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.

ESBK

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

$5,923.71/yr

After 10yr DRIP, annual income (after tax)

$49.27/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, RYLD beats the other by $2,149.98/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 ESBK + RYLD for your $10,000?

ESBK: 50%RYLD: 50%

100% RYLD50/50100% ESBK

Portfolio after 10yr

$42.6K

Annual income

$1,322.65/yr

Blended yield

3.10%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ESBK buys

RYLD buys

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

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

MetricESBKRYLD

Forward yield	69.69% ✓	12.14%
Annual dividend / share	$16.08 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-42.4%	0% ✓
Portfolio after 10y	$40.8K	$44.5K ✓
Annual income after 10y	$57.96	$2,587.35 ✓
Total dividends collected	$12.8K	$18.8K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	ESBK Portfolio	ESBK Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$14,714	$4,014.19	$11,914	$1,213.65	+$2.8K → ESBK
2	$18,924	$3,179.60	$14,099	$1,351.30	+$4.8K → ESBK
3	$22,450	$2,201.32	$16,580	$1,494.55	+$5.9K → ESBK
4	$25,427	$1,405.81	$19,384	$1,642.61	+$6.0K → ESBK
5	$28,064	$857.13	$22,535	$1,794.70	+$5.5K → ESBK
6	$30,538	$509.26	$26,063	$1,950.00	+$4.5K → ESBK
7	$32,974	$298.31	$29,995	$2,107.69	+$3.0K → ESBK
8	$35,455	$173.40	$34,361	$2,266.99	+$1.1K → ESBK
9← crossover	$38,038	$100.37	$39,194	$2,427.12	$1.2K → RYLD
10	$40,758	$57.96	$44,525	$2,587.35	$3.8K → RYLD

ESBK vs RYLD: Complete Analysis 2026

ESBK — Stock

Elmira Savings Bank provides financial services to consumers and businesses. It offers savings and money market accounts, time deposits, retail and commercial checking accounts, and NOW accounts; certificates of deposit; residential and commercial real estate, construction, commercial loans, as well as consumer loans, comprising of installment loans, overdraft line of credit, and home equity loans; and mortgage loans secured by first and second liens on one-to-four family residences. The company also operates a real estate investment trust; and provides financial planning advisory services. The company operates through a network of twelve full-service offices located in Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties; and one limited service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.

Full ESBK 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.