HomeCompareESBK vs VIG

ESBK vs VIG: Dividend Comparison 2026

ESBK yields 69.69% · VIG yields 1.64%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ESBK wins by $8.4K in total portfolio value
10 years
ESBK
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 →
VIG
Vanguard Dividend Appreciation ETF
● Live price
1.64%
Share price
$210.70
Annual div
$3.45
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.4K
Annual income
$179.15
Full VIG calculator →

Portfolio growth — ESBK vs VIG

📍 ESBK 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 PeriodESBKVIG
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 + VIG cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ESBK pays
VIG pays
Both pay
Neither
💰

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
VIG
Annual income on $10K today (after 15% tax)
$139.33/yr
After 10yr DRIP, annual income (after tax)
$152.28/yr
At 15% tax rate, VIG beats the other by $103.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ESBK + VIG for your $10,000?

ESBK: 50%VIG: 50%
100% VIG50/50100% ESBK
Portfolio after 10yr
$36.6K
Annual income
$118.56/yr
Blended yield
0.32%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ESBK buys
0
VIG buys
0
No recent congressional trades found for ESBK or VIG in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESBKVIG
Forward yield69.69%1.64%
Annual dividend / share$16.08$3.45
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-42.4%0%
Portfolio after 10y$40.8K$32.4K
Annual income after 10y$57.96$179.15
Total dividends collected$12.8K$1.7K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearESBK PortfolioESBK Income/yrVIG PortfolioVIG Income/yrGap
1← crossover$14,714$4,014.19$11,304$163.92+$3.4KESBK
2$18,924$3,179.60$12,759$166.33+$6.2KESBK
3$22,450$2,201.32$14,382$168.52+$8.1KESBK
4$25,427$1,405.81$16,192$170.52+$9.2KESBK
5$28,064$857.13$18,210$172.34+$9.9KESBK
6$30,538$509.26$20,460$173.98+$10.1KESBK
7$32,974$298.31$22,968$175.48+$10.0KESBK
8$35,455$173.40$25,763$176.83+$9.7KESBK
9$38,038$100.37$28,878$178.05+$9.2KESBK
10$40,758$57.96$32,350$179.15+$8.4KESBK

ESBK vs VIG: Complete Analysis 2026

ESBKStock

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 →

VIGETF

Seeks to track the performance of the S&P U.S. Dividend Growers Index.Passively managed, full-replication approach.Fund remains fully invested.Large-cap equity, emphasizing stocks with a record of growing their dividends year over year.Low expenses minimize net tracking error.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.

Full VIG 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.