Is FMBN or HDV a better dividend investment in 2026?

FMBN currently yields 2.27% with a 5% 5-year dividend growth rate. HDV yields 2.92% with 4.8% growth. The better choice depends on your goal: HDV offers higher current income.

What is the dividend yield difference between FMBN and HDV?

FMBN has a forward dividend yield of 2.27% ($1.00/share annually). HDV yields 2.92% ($3.96/share annually). The yield gap is 0.65 percentage points.

Home › Compare › FMBN vs HDV

FMBN vs HDV: Dividend Comparison 2026

FMBN yields 2.27% · HDV yields 2.92%● Live data

vsPost on X →

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

🏆 HDV wins by $1.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FMBN

● Live price

2.27%

Share price

$44.00

Annual div

$1.00

5Y div CAGR

-1.5%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.8K

Annual income

$224.13

Full FMBN calculator →

HDV

iShares Core High Dividend ETF

● Live price

2.92%

Share price

$135.72

Annual div

$3.96

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.3K

Annual income

$351.71

Full HDV calculator →

Portfolio growth — FMBN vs HDV

📍 HDV 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	FMBN	HDV
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, FMBN + HDV cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FMBN pays

HDV pays

Both pay

Neither

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Tax Bracket Optimizer

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

FMBN

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

$193.18/yr

After 10yr DRIP, annual income (after tax)

$190.51/yr

HDV

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

$247.92/yr

After 10yr DRIP, annual income (after tax)

$298.95/yr

At 15% tax rate, HDV beats the other by $108.44/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FMBN + HDV for your $10,000?

FMBN: 50%HDV: 50%

100% HDV50/50100% FMBN

Portfolio after 10yr

$23.5K

Annual income

$287.93/yr

Blended yield

1.22%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FMBN buys

HDV buys

No recent congressional trades found for FMBN or HDV in the last 90 days.

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

MetricFMBNHDV

Forward yield	2.27%	2.92% ✓
Annual dividend / share	$1.00	$3.96 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-1.5%	0% ✓
Portfolio after 10y	$22.8K	$24.3K ✓
Annual income after 10y	$224.13	$351.71 ✓
Total dividends collected	$2.3K	$3.2K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: FMBN vs HDV ($10,000, DRIP)

Year	FMBN Portfolio	FMBN Income/yr	HDV Portfolio	HDV Income/yr	Gap
1← crossover	$10,924	$223.86	$11,002	$291.67	$78.00 → HDV
2	$11,914	$225.12	$12,082	$299.61	$168.00 → HDV
3	$12,974	$226.01	$13,247	$307.23	$273.00 → HDV
4	$14,108	$226.57	$14,503	$314.52	$395.00 → HDV
5	$15,323	$226.81	$15,854	$321.50	$531.00 → HDV
6	$16,622	$226.77	$17,308	$328.15	$686.00 → HDV
7	$18,012	$226.46	$18,871	$334.49	$859.00 → HDV
8	$19,499	$225.90	$20,551	$340.53	$1.1K → HDV
9	$21,089	$225.12	$22,357	$346.27	$1.3K → HDV
10	$22,789	$224.13	$24,296	$351.71	$1.5K → HDV

FMBN vs HDV: Complete Analysis 2026

FMBN — Stock

Farmers & Merchants Bancshares, Inc. (Burlington, IA) operates as a holding company for Farmers & Merchants Bank & Trust that provides various financial services in Des Moines and Louisa Counties, Iowa. It offers checking, savings, and youth accounts; personal, mortgage, auto, boat, RV, business, construction, operating, real estate, agriculture, farm real estate and machinery, livestock, and short-term loans; home equity and lines of credit; and debit and credit cards. The company also provides wealth management services, such as trust, investment management, brokerage, financial planning, and rollover services. In addition, it offers merchant, mobile deposit, payroll, notary, and automated clearing house services; mobile and online banking, telephone banking, and bill pay services, as well as remote deposit capture services; and safe deposit boxes. The company was founded in 1916 and is based in Burlington, Iowa.

Full FMBN Calculator →

HDV — ETF

The iShares Core High Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full HDV 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.