Is FIZN or QYLD a better dividend investment in 2026?

FIZN currently yields 1.87% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between FIZN and QYLD?

FIZN has a forward dividend yield of 1.87% ($1.40/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 10.05 percentage points.

Home › Compare › FIZN vs QYLD

FIZN vs QYLD: Dividend Comparison 2026

FIZN yields 1.87% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $3.7K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

FIZN

● Live price

1.87%

Share price

$75.01

Annual div

$1.40

5Y div CAGR

-5.6%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.7K

Annual income

$115.23

Full FIZN calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — FIZN vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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	FIZN	QYLD
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, FIZN + QYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

FIZN pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

FIZN

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

$158.65/yr

After 10yr DRIP, annual income (after tax)

$97.95/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,712.47/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 FIZN + QYLD for your $10,000?

FIZN: 50%QYLD: 50%

100% QYLD50/50100% FIZN

Portfolio after 10yr

$23.6K

Annual income

$2,887.27/yr

Blended yield

12.25%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FIZN buys

QYLD buys

No recent congressional trades found for FIZN or QYLD in the last 90 days.

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

MetricFIZNQYLD

Forward yield	1.87%	11.92% ✓
Annual dividend / share	$1.40	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-5.6%	0% ✓
Portfolio after 10y	$21.7K	$25.4K ✓
Annual income after 10y	$115.23	$5,659.31 ✓
Total dividends collected	$1.4K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: FIZN vs QYLD ($10,000, DRIP)

Year	FIZN Portfolio	FIZN Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,876	$176.19	$10,352	$1,192.36	+$524.00 → FIZN
2	$11,807	$169.06	$10,830	$1,347.57	+$977.00 → FIZN
3	$12,795	$161.91	$11,460	$1,539.07	+$1.3K → FIZN
4	$13,845	$154.80	$12,275	$1,777.84	+$1.6K → FIZN
5	$14,962	$147.79	$13,323	$2,078.95	+$1.6K → FIZN
6	$16,151	$140.90	$14,667	$2,463.34	+$1.5K → FIZN
7	$17,415	$134.18	$16,396	$2,960.57	+$1.0K → FIZN
8	$18,762	$127.65	$18,631	$3,612.97	+$131.00 → FIZN
9← crossover	$20,197	$121.33	$21,548	$4,482.15	$1.4K → QYLD
10	$21,726	$115.23	$25,398	$5,659.31	$3.7K → QYLD

FIZN vs QYLD: Complete Analysis 2026

FIZN — Stock

First Citizens Bancshares, Inc., through its subsidiary, First Citizens National Bank, provides various commercial banking services to individuals and corporate customer to in the mid-southern United States. The company offers checking and savings deposits, as well as certificates of deposit; and residential, commercial, and consumer lending products. It also provides personal and home loans; and home equity line of credit. In addition, the company provides commercial real estate, construction and facility, equipment financing, residential development and construction, operating loans and lines of credit, and SBA and United States department of agriculture (USDA) loans, as well as debit and credit card services. Further, it offers home purchase and refinancing, and reverse mortgages; mobile, telephone/text, and online banking services; e-statements; investment, insurance, and retirement and benefit services; and trust, overdraft, identity theft protection, and treasury services, as well as safe deposit boxes. First Citizens Bancshares, Inc. was founded in 1889 and is headquartered in Dyersburg, Tennessee.

Full FIZN Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.