Is FFDF or RYLD a better dividend investment in 2026?

FFDF currently yields 2.93% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between FFDF and RYLD?

FFDF has a forward dividend yield of 2.93% ($1.29/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 9.46 percentage points.

Home › Compare › FFDF vs RYLD

FFDF vs RYLD: Dividend Comparison 2026

FFDF yields 2.93% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 FFDF wins by $220.79M in total portfolio value· pulled ahead in Year 3

INVESTMENT

TIME HORIZON10 years

FFDF

● Live price

2.93%

Share price

$44.00

Annual div

$1.29

5Y div CAGR

97.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$220.83M

Annual income

$205,265,331.88

Full FFDF calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — FFDF vs RYLD

📍 FFDF pulled ahead of the other in Year 3

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	FFDF	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, FFDF + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FFDF 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.

FFDF

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

$249.20/yr

After 10yr DRIP, annual income (after tax)

$174,475,532.10/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, FFDF beats the other by $174,473,251.57/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 FFDF + RYLD for your $10,000?

FFDF: 50%RYLD: 50%

100% RYLD50/50100% FFDF

Portfolio after 10yr

$110.44M

Annual income

$102,634,007.43/yr

Blended yield

92.93%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FFDF buys

RYLD buys

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

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

MetricFFDFRYLD

Forward yield	2.93%	12.39% ✓
Annual dividend / share	$1.29	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	97.1% ✓	0%
Portfolio after 10y	$220.83M ✓	$45.3K
Annual income after 10y	$205,265,331.88 ✓	$2,682.98
Total dividends collected	$219.65M ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FFDF Portfolio	FFDF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,278	$577.86	$11,939	$1,239.34	$661.00 → RYLD
2	$13,268	$1,200.48	$14,158	$1,382.89	$890.00 → RYLD
3← crossover	$16,798	$2,601.52	$16,682	$1,532.59	+$116.00 → FFDF
4	$24,041	$6,067.24	$19,537	$1,687.64	+$4.5K → FFDF
5	$41,719	$15,995.23	$22,752	$1,847.20	+$19.0K → FFDF
6	$95,769	$51,129.86	$26,355	$2,010.43	+$69.4K → FFDF
7	$318,679	$216,206.07	$30,376	$2,176.45	+$288.3K → FFDF
8	$1,666,236	$1,325,249.32	$34,847	$2,344.43	+$1.63M → FFDF
9	$14,546,762	$12,763,889.00	$39,800	$2,513.54	+$14.51M → FFDF
10	$220,830,367	$205,265,331.88	$45,269	$2,682.98	+$220.79M → FFDF

FFDF vs RYLD: Complete Analysis 2026

FFDF — Stock

FFD Financial Corporation operates as the bank holding company for First Federal Community Bank, National Association that provides various banking products and services. The company accepts checking and savings accounts. Its loan products include auto, boat, personal, term, commercial real estate, equipment, and home mortgage loans; and home equity and business lines of credit. The company also offers debit and credit cards; property and casualty insurance products; and cash management, overdraft, e-statement, direct deposit, bill pay, wire transfers, safe deposit boxes, night depository, and teller services, as well as online, telephone, and mobile banking services. It operates branches in Dover, New Philadelphia, Uhrichsville, Berlin, Mt. Hope, and Sugarcreek, Ohio. FFD Financial Corporation was founded in 1898 and is based in Dover, Ohio.

Full FFDF 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.