Is FISB or RYLD a better dividend investment in 2026?

FISB currently yields 14.29% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: FISB offers higher current income.

What is the dividend yield difference between FISB and RYLD?

FISB has a forward dividend yield of 14.29% ($2.00/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 1.90 percentage points.

Home › Compare › FISB vs RYLD

FISB vs RYLD: Dividend Comparison 2026

FISB yields 14.29% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 RYLD wins by $23.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FISB

● Live price

14.29%

Share price

$14.00

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.2K

Annual income

$1.58

Full FISB 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 — FISB vs RYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FISB 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.

FISB

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

$1,214.29/yr

After 10yr DRIP, annual income (after tax)

$1.34/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, RYLD beats the other by $2,279.19/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 FISB + RYLD for your $10,000?

FISB: 50%RYLD: 50%

100% RYLD50/50100% FISB

Portfolio after 10yr

$33.8K

Annual income

$1,342.28/yr

Blended yield

3.98%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FISB buys

RYLD buys

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

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

MetricFISBRYLD

Forward yield	14.29% ✓	12.39%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$22.2K	$45.3K ✓
Annual income after 10y	$1.58	$2,682.98 ✓
Total dividends collected	$1.5K	$19.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FISB Portfolio	FISB Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,414	$714.29	$11,939	$1,239.34	$525.00 → RYLD
2	$12,594	$380.98	$14,158	$1,382.89	$1.6K → RYLD
3	$13,672	$196.43	$16,682	$1,532.59	$3.0K → RYLD
4	$14,729	$99.65	$19,537	$1,687.64	$4.8K → RYLD
5	$15,810	$50.16	$22,752	$1,847.20	$6.9K → RYLD
6	$16,942	$25.16	$26,355	$2,010.43	$9.4K → RYLD
7	$18,141	$12.60	$30,376	$2,176.45	$12.2K → RYLD
8	$19,417	$6.30	$34,847	$2,344.43	$15.4K → RYLD
9	$20,779	$3.15	$39,800	$2,513.54	$19.0K → RYLD
10	$22,235	$1.58	$45,269	$2,682.98	$23.0K → RYLD

FISB vs RYLD: Complete Analysis 2026

FISB — Stock

1st Capital Bancorp operates as the bank holding company for 1st Capital Bank that provides various banking products and services for businesses, professionals, real estate investors, family commercial entities, and individuals in the Central Coast region of California. The company accepts various deposit products, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposits; and debit cards and check orders. It also offers consumer lending solutions; business, agriculture and wine industry, and commercial real estate lending products; personal loans for business owners; and small business administration and government guaranteed lending solutions. In addition, the company invests in securities; provides online, mobile, and telephone banking services; and offers remote check scanning, remote branch deposit, electronic bill payment, remote ACH origination, and remote wire transfer request, as well as cash management services. It serves customers through full-service branch offices in Monterey, Salinas, King City, San Luis Obispo, and Santa Cruz. The company was founded in 2007 and is headquartered in Salinas, California.

Full FISB 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.