Is FMBL or QYLD a better dividend investment in 2026?

FMBL currently yields 1.35% 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 FMBL and QYLD?

FMBL has a forward dividend yield of 1.35% ($112.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 10.57 percentage points.

Home › Compare › FMBL vs QYLD

FMBL vs QYLD: Dividend Comparison 2026

FMBL yields 1.35% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $3.4K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

FMBL

● Live price

1.35%

Share price

$8,275.00

Annual div

$112.00

5Y div CAGR

3.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.0K

Annual income

$209.49

Full FMBL 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 — FMBL vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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	FMBL	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%.

📅

Dividend Calendar Overlap

Combined, FMBL + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FMBL pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FMBL

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

$115.05/yr

After 10yr DRIP, annual income (after tax)

$178.07/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 $4,632.35/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FMBL + QYLD for your $10,000?

FMBL: 50%QYLD: 50%

100% QYLD50/50100% FMBL

Portfolio after 10yr

$23.7K

Annual income

$2,934.40/yr

Blended yield

12.38%

📊

Analyst Conviction Gap

Where Wall Street is split right now

FMBL

Analyst Ratings

Hold

Consensus: Hold

Altman Z

0.0

Piotroski

6/9

QYLD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FMBL buys

QYLD buys

Politician	Chamber	Ticker	Type	Amount	Date
Tim Moore	🏢 House	$QYLD	▼ Sell	$15,001 - $50,000	2025-05-02
Tim Moore	🏢 House	$QYLD	▲ Buy	$15,001 - $50,000	2025-04-07
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2022-11-14
Dwight Evans	🏢 House	$QYLD	▼ Sell	$1,001 - $15,000	2020-10-29

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

MetricFMBLQYLD

Forward yield	1.35%	11.92% ✓
Annual dividend / share	$112.00 ✓	$2.04
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	3.4% ✓	0%
Portfolio after 10y	$22.0K	$25.4K ✓
Annual income after 10y	$209.49	$5,659.31 ✓
Total dividends collected	$1.7K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	FMBL Portfolio	FMBL Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,840	$139.95	$10,352	$1,192.36	+$488.00 → FMBL
2	$11,745	$146.60	$10,830	$1,347.57	+$915.00 → FMBL
3	$12,721	$153.50	$11,460	$1,539.07	+$1.3K → FMBL
4	$13,772	$160.66	$12,275	$1,777.84	+$1.5K → FMBL
5	$14,904	$168.08	$13,323	$2,078.95	+$1.6K → FMBL
6	$16,123	$175.78	$14,667	$2,463.34	+$1.5K → FMBL
7	$17,436	$183.76	$16,396	$2,960.57	+$1.0K → FMBL
8	$18,848	$192.03	$18,631	$3,612.97	+$217.00 → FMBL
9← crossover	$20,368	$200.60	$21,548	$4,482.15	$1.2K → QYLD
10	$22,004	$209.49	$25,398	$5,659.31	$3.4K → QYLD

FMBL vs QYLD: Complete Analysis 2026

FMBL — Stock

Farmers & Merchants Bank of Long Beach provides various banking products and services to individuals, professionals, and small to medium-sized businesses. It offers checking, savings, Christmas club savings, health savings, money market, and investment accounts; demand and time deposits; certificates of deposit; and retirement plans. The company also provides personal, home, small business administration, commercial real estate, real estate and construction, and commercial business loans, as well as lines of credit; financing for residential loans comprising single-family and multifamily loans; and credit, debit, and gift cards. In addition, it offers account management, receivables and payables, and risk management services; and merchant, electronic lockbox, mobile and remote deposit capture, digital wallet, direct deposit, escrow, faith-based and healthcare banking, and other services, as well as online and mobile banking services. As of December 31, 2021, the company operated 25 branches in Los Angeles, Orange, and Santa Barbara Counties. Farmers & Merchants Bank of Long Beach was incorporated in 1907 and is headquartered in Long Beach, California.

Full FMBL 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 →

📬

Get this FMBL vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FMBL vs SCHD FMBL vs JEPI FMBL vs O FMBL vs KO FMBL vs MAIN FMBL vs XYLD FMBL vs JEPQ FMBL vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.