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ESBS vs RYLD: Dividend Comparison 2026

ESBS yields 29.85% · RYLD yields 12.39%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ESBS wins by $86.0K in total portfolio value
10 years
ESBS
ESBS
● Live price
29.85%
Share price
$6.70
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$131.2K
Annual income
$17,289.99
Full ESBS calculator →
RYLD
RYLD
● Live price
12.39%
Share price
$14.64
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.3K
Annual income
$2,682.98
Full RYLD calculator →

Portfolio growth — ESBS vs RYLD

📍 ESBS 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 PeriodESBSRYLD
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, ESBS + RYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ESBS 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.

ESBS
Annual income on $10K today (after 15% tax)
$2,537.31/yr
After 10yr DRIP, annual income (after tax)
$14,696.49/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, ESBS beats the other by $12,415.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ESBS: 50%RYLD: 50%
100% RYLD50/50100% ESBS
Portfolio after 10yr
$88.2K
Annual income
$9,986.48/yr
Blended yield
11.32%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ESBS buys
0
RYLD buys
0
No recent congressional trades found for ESBS or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESBSRYLD
Forward yield29.85%12.39%
Annual dividend / share$2.00$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$131.2K$45.3K
Annual income after 10y$17,289.99$2,682.98
Total dividends collected$89.4K$19.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearESBS PortfolioESBS Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$13,685$2,985.07$11,939$1,239.34+$1.7KESBS
2$18,461$3,817.85$14,158$1,382.89+$4.3KESBS
3$24,566$4,813.27$16,682$1,532.59+$7.9KESBS
4$32,272$5,986.12$19,537$1,687.64+$12.7KESBS
5$41,881$7,349.34$22,752$1,847.20+$19.1KESBS
6$53,726$8,913.51$26,355$2,010.43+$27.4KESBS
7$68,173$10,686.48$30,376$2,176.45+$37.8KESBS
8$85,618$12,673.05$34,847$2,344.43+$50.8KESBS
9$106,486$14,874.79$39,800$2,513.54+$66.7KESBS
10$131,230$17,289.99$45,269$2,682.98+$86.0KESBS

ESBS vs RYLD: Complete Analysis 2026

ESBSStock

ES Bancshares, Inc., through its subsidiary, Empire State Bank, provides various commercial banking products and services in New York. The company offers various deposit products, including personal and business checking and money market accounts, personal and business savings accounts, individual retirement accounts, and certificates of deposits. It also provides SBA loans and lines of credit, commercial term loans, commercial letters of credit, and commercial real estate loans, as well as mortgage loans secured by one-to four-family residences. In addition, the company offers debit card, direct deposit, automatic loan payment and transfer, combined statement, remote deposit, cash and escrow management, wire transfer, night depository, and online and telephone banking services. ES Bancshares, Inc. was founded in 2004 and is based in Newburgh, New York.

Full ESBS Calculator →

RYLDETF

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.