Is FSBH or RYLD a better dividend investment in 2026?

FSBH currently yields 12.50% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: FSBH offers higher current income.

What is the dividend yield difference between FSBH and RYLD?

FSBH has a forward dividend yield of 12.50% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 0.36 percentage points.

Home › Compare › FSBH vs RYLD

FSBH vs RYLD: Dividend Comparison 2026

FSBH yields 12.50% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 FSBH wins by $1.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FSBH

● Live price

12.50%

Share price

$16.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.6K

Annual income

$2,723.30

Full FSBH 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 — FSBH vs RYLD

📍 FSBH pulled ahead of the other in Year 1

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	FSBH	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%.

📅

Dividend Calendar Overlap

Combined, FSBH + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FSBH pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FSBH

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

$1,062.50/yr

After 10yr DRIP, annual income (after tax)

$2,314.81/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, FSBH beats the other by $115.56/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FSBH: 50%RYLD: 50%

100% RYLD50/50100% FSBH

Portfolio after 10yr

$45.1K

Annual income

$2,655.32/yr

Blended yield

5.89%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FSBH buys

RYLD buys

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

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

MetricFSBHRYLD

Forward yield	12.50% ✓	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	$45.6K ✓	$44.5K
Annual income after 10y	$2,723.30 ✓	$2,587.35
Total dividends collected	$19.7K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	FSBH Portfolio	FSBH Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$11,950	$1,250.00	$11,914	$1,213.65	+$36.00 → FSBH
2	$14,183	$1,396.03	$14,099	$1,351.30	+$84.00 → FSBH
3	$16,724	$1,548.45	$16,580	$1,494.55	+$144.00 → FSBH
4	$19,601	$1,706.45	$19,384	$1,642.61	+$217.00 → FSBH
5	$22,842	$1,869.18	$22,535	$1,794.70	+$307.00 → FSBH
6	$26,477	$2,035.76	$26,063	$1,950.00	+$414.00 → FSBH
7	$30,536	$2,205.33	$29,995	$2,107.69	+$541.00 → FSBH
8	$35,050	$2,377.00	$34,361	$2,266.99	+$689.00 → FSBH
9	$40,053	$2,549.93	$39,194	$2,427.12	+$859.00 → FSBH
10	$45,580	$2,723.30	$44,525	$2,587.35	+$1.1K → FSBH

FSBH vs RYLD: Complete Analysis 2026

FSBH — Stock

FSBH Corp. operates as the bank holding company for First Southern Bank that provides banking services for individuals and corporate customers. The company offers checking, money market, savings, and certificates of deposit/IRAs, as well as overdrafts; and personal loan products, such as consumer, personal lines of credit, construction, mortgage, mobile home, home equity, and CD secured loans. It also provides commercial, commercial real estate, small business, agriculture, line of credit, and equipment loans; and ACH cash management, business online banking and bill pay, remote deposit capture, eStatement, merchant, and online cash management services. In addition, the company offers money transfer and payment, as well as mobile and telephone banking services, as well as credit cards and insurance. It operates 5 branches serving the areas of Southern Georgia and West Central Florida. The company was founded in 1907 and is based in Waycross, Georgia.

Full FSBH 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 →

📬

Get this FSBH vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FSBH vs SCHD FSBH vs JEPI FSBH vs O FSBH vs KO FSBH vs MAIN

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