Is HBSI or XYLD a better dividend investment in 2026?

HBSI currently yields 4.00% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between HBSI and XYLD?

HBSI has a forward dividend yield of 4.00% ($1.82/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 6.98 percentage points.

Home › Compare › HBSI vs XYLD

HBSI vs XYLD: Dividend Comparison 2026

HBSI yields 4.00% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $1.2K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

HBSI

● Live price

4.00%

Share price

$45.50

Annual div

$1.82

5Y div CAGR

-6.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.0K

Annual income

$241.95

Full HBSI calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — HBSI vs XYLD

📍 XYLD 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	HBSI	XYLD
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, HBSI + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HBSI pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

HBSI

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$205.66/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,530.51/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 HBSI + XYLD for your $10,000?

HBSI: 50%XYLD: 50%

100% XYLD50/50100% HBSI

Portfolio after 10yr

$24.7K

Annual income

$1,730.48/yr

Blended yield

7.02%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HBSI buys

XYLD buys

No recent congressional trades found for HBSI or XYLD in the last 90 days.

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

MetricHBSIXYLD

Forward yield	4.00%	10.98% ✓
Annual dividend / share	$1.82	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-6.7%	0% ✓
Portfolio after 10y	$24.0K	$25.3K ✓
Annual income after 10y	$241.95	$3,219.02 ✓
Total dividends collected	$3.1K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: HBSI vs XYLD ($10,000, DRIP)

Year	HBSI Portfolio	HBSI Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,073	$373.20	$10,818	$1,098.39	+$255.00 → HBSI
2	$12,209	$360.34	$11,738	$1,222.51	+$471.00 → HBSI
3	$13,410	$346.42	$12,774	$1,364.64	+$636.00 → HBSI
4	$14,680	$331.78	$13,944	$1,527.86	+$736.00 → HBSI
5	$16,024	$316.71	$15,270	$1,715.87	+$754.00 → HBSI
6	$17,448	$301.45	$16,775	$1,933.09	+$673.00 → HBSI
7	$18,955	$286.20	$18,490	$2,184.87	+$465.00 → HBSI
8	$20,553	$271.12	$20,450	$2,477.63	+$103.00 → HBSI
9← crossover	$22,248	$256.33	$22,697	$2,819.19	$449.00 → XYLD
10	$24,048	$241.95	$25,280	$3,219.02	$1.2K → XYLD

HBSI vs XYLD: Complete Analysis 2026

HBSI — Stock

Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provide various banking products and services for individuals and businesses. The company accepts checking, saving, money market, NOW, individual retirement, and club accounts; and insured cash sweep and CDARS interest-bearing deposits, as well as certificates of deposit. It also offers personal and business loans, such as home mortgage and equity, land and lot, mobile home, auto, personal and business term, agriculture, equipment, and commercial real estate loans, as well as business lines of credit. In addition, the company provides debit and credit cards, kasasa protect, automatic teller machines, business online banking and bill-pay, mobile banking, CardValet, POP money, telephone banking, direct deposits, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, safe deposit box, and wire transfer services. Further, it offers merchant card processing services; and sells life and accident coverage insurance products. The company operates through ten locations in West Virginia and two locations in Virginia. Highlands Bankshares, Inc. was incorporated in 1984 and is based in Petersburg, West Virginia.

Full HBSI Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.