Is EXSR or VYM a better dividend investment in 2026?

EXSR currently yields 3.74% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: EXSR offers higher current income.

What is the dividend yield difference between EXSR and VYM?

EXSR has a forward dividend yield of 3.74% ($5.20/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 1.33 percentage points.

Home › Compare › EXSR vs VYM

EXSR vs VYM: Dividend Comparison 2026

EXSR yields 3.74% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 EXSR wins by $1.3K in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

EXSR

● Live price

3.74%

Share price

$138.90

Annual div

$5.20

5Y div CAGR

8.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.1K

Annual income

$1,180.54

Full EXSR calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.41%

Share price

$145.48

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$278.55

Full VYM calculator →

Portfolio growth — EXSR vs VYM

📍 EXSR pulled ahead of the other in Year 5

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	EXSR	VYM
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, EXSR + VYM cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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EXSR pays

VYM pays

Both pay

Neither

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Tax Bracket Optimizer

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

EXSR

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

$318.21/yr

After 10yr DRIP, annual income (after tax)

$1,003.46/yr

VYM

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

$205.23/yr

After 10yr DRIP, annual income (after tax)

$236.77/yr

At 15% tax rate, EXSR beats the other by $766.69/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 EXSR + VYM for your $10,000?

EXSR: 50%VYM: 50%

100% VYM50/50100% EXSR

Portfolio after 10yr

$28.5K

Annual income

$729.54/yr

Blended yield

2.56%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

EXSR buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02

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

MetricEXSRVYM

Forward yield	3.74% ✓	2.41%
Annual dividend / share	$5.20 ✓	$3.51
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	8.3% ✓	0%
Portfolio after 10y	$29.1K ✓	$27.8K
Annual income after 10y	$1,180.54 ✓	$278.55
Total dividends collected	$7.3K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: EXSR vs VYM ($10,000, DRIP)

Year	EXSR Portfolio	EXSR Income/yr	VYM Portfolio	VYM Income/yr	Gap
1	$11,105	$405.44	$11,151	$241.44	$46.00 → VYM
2	$12,339	$455.73	$12,413	$246.79	$74.00 → VYM
3	$13,715	$512.49	$13,794	$251.79	$79.00 → VYM
4	$15,251	$576.57	$15,306	$256.47	$55.00 → VYM
5← crossover	$16,968	$648.96	$16,960	$260.84	+$8.00 → EXSR
6	$18,886	$730.77	$18,768	$264.92	+$118.00 → EXSR
7	$21,032	$823.28	$20,745	$268.71	+$287.00 → EXSR
8	$23,432	$927.94	$22,905	$272.24	+$527.00 → EXSR
9	$26,119	$1,046.39	$25,265	$275.51	+$854.00 → EXSR
10	$29,127	$1,180.54	$27,842	$278.55	+$1.3K → EXSR

EXSR vs VYM: Complete Analysis 2026

EXSR — Stock

Exchange Bank (Santa Rosa, CA), together with its subsidiaries, provides commercial and retail banking products and services to individuals and businesses in California. The company offers personal banking products and services, including checking and savings accounts; home loans, personal lines of credit, unsecured personal loans, and auto loans; overdraft line of credit accounts; and community rebuild loan programs. It also provides business banking products and services, such as business checking and savings accounts; merchant services; business equipment leasing; commercial real estate and construction loans; and business term loans, business line of credit, and small business administration (SBA) loans, as well as vineyard, winery, and agricultural loans. In addition, the company offers debit and credit cards; online and mobile banking services; and trust administration, investment management, and estate settlement services, as well as retirement accounts and plans. As of February 25, 2022, it operated 17 branches located in Sonoma County; and a commercial branch in Roseville, California. The company was founded in 1890 and is headquartered in Santa Rosa, California. Exchange Bank (Santa Rosa, CA) operates as a subsidiary of Frank P. Doyle Trust, Article IX.

Full EXSR Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.