Is FHLB or RYLD a better dividend investment in 2026?

FHLB currently yields 30.21% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: FHLB offers higher current income.

What is the dividend yield difference between FHLB and RYLD?

FHLB has a forward dividend yield of 30.21% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 18.07 percentage points.

Home › Compare › FHLB vs RYLD

FHLB vs RYLD: Dividend Comparison 2026

FHLB yields 30.21% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 FHLB wins by $89.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FHLB

● Live price

30.21%

Share price

$6.62

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$134.0K

Annual income

$17,838.51

Full FHLB 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 — FHLB vs RYLD

📍 FHLB 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 Period	FHLB	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, FHLB + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FHLB 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.

FHLB

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

$2,567.98/yr

After 10yr DRIP, annual income (after tax)

$15,162.73/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, FHLB beats the other by $12,963.49/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FHLB: 50%RYLD: 50%

100% RYLD50/50100% FHLB

Portfolio after 10yr

$89.3K

Annual income

$10,212.93/yr

Blended yield

11.44%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FHLB buys

RYLD buys

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

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

MetricFHLBRYLD

Forward yield	30.21% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$134.0K ✓	$44.5K
Annual income after 10y	$17,838.51 ✓	$2,587.35
Total dividends collected	$91.7K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FHLB Portfolio	FHLB Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$13,721	$3,021.15	$11,914	$1,213.65	+$1.8K → FHLB
2	$18,556	$3,874.17	$14,099	$1,351.30	+$4.5K → FHLB
3	$24,751	$4,896.48	$16,580	$1,494.55	+$8.2K → FHLB
4	$32,588	$6,104.03	$19,384	$1,642.61	+$13.2K → FHLB
5	$42,380	$7,510.90	$22,535	$1,794.70	+$19.8K → FHLB
6	$54,475	$9,128.77	$26,063	$1,950.00	+$28.4K → FHLB
7	$69,255	$10,966.50	$29,995	$2,107.69	+$39.3K → FHLB
8	$87,133	$13,029.76	$34,361	$2,266.99	+$52.8K → FHLB
9	$108,553	$15,320.83	$39,194	$2,427.12	+$69.4K → FHLB
10	$133,990	$17,838.51	$44,525	$2,587.35	+$89.5K → FHLB

FHLB vs RYLD: Complete Analysis 2026

FHLB — Stock

Friendly Hills Bank is a community bank which was formed to primarily serve the Southern California communities of eastern Los Angeles County and northern Orange County. The Bank was established in 2006 by prominent members of the local community who were seeking an alternative to the larger financial institutions in the area. The Bank is headquartered in Whittier, California, with additional branch offices in Orange, Redlands and Santa Fe Springs, California. For more information on the Bank, please visit www.friendlyhillsbank.com or call 562-947-1920.

Full FHLB 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.