Is HCBC or VYM a better dividend investment in 2026?

HCBC currently yields 5.59% with a 5% 5-year dividend growth rate. VYM yields 2.37% with 7.8% growth. The better choice depends on your goal: HCBC offers higher current income.

What is the dividend yield difference between HCBC and VYM?

HCBC has a forward dividend yield of 5.59% ($2.00/share annually). VYM yields 2.37% ($3.51/share annually). The yield gap is 3.22 percentage points.

Home › Compare › HCBC vs VYM

HCBC vs VYM: Dividend Comparison 2026

HCBC yields 5.59% · VYM yields 2.37%● Live data

vsPost on X →

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

🏆 HCBC wins by $122.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

HCBC

● Live price

5.59%

Share price

$35.75

Annual div

$2.00

5Y div CAGR

33.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$149.9K

Annual income

$51,475.22

Full HCBC calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.37%

Share price

$148.10

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$272.94

Full VYM calculator →

Portfolio growth — HCBC vs VYM

📍 HCBC 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	HCBC	VYM
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, HCBC + VYM cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HCBC pays

VYM pays

Both pay

Neither

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Tax Bracket Optimizer

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

HCBC

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

$475.52/yr

After 10yr DRIP, annual income (after tax)

$43,753.94/yr

VYM

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

$201.60/yr

After 10yr DRIP, annual income (after tax)

$232.00/yr

At 15% tax rate, HCBC beats the other by $43,521.94/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HCBC + VYM for your $10,000?

HCBC: 50%VYM: 50%

100% VYM50/50100% HCBC

Portfolio after 10yr

$88.8K

Annual income

$25,874.08/yr

Blended yield

29.13%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HCBC buys

VYM buys

No recent congressional trades found for HCBC or VYM in the last 90 days.

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

MetricHCBCVYM

Forward yield	5.59% ✓	2.37%
Annual dividend / share	$2.00	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	33.8% ✓	0%
Portfolio after 10y	$149.9K ✓	$27.8K
Annual income after 10y	$51,475.22 ✓	$272.94
Total dividends collected	$117.5K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: HCBC vs VYM ($10,000, DRIP)

Year	HCBC Portfolio	HCBC Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,449	$748.53	$11,147	$237.17	+$302.00 → HCBC
2	$13,322	$1,071.60	$12,404	$242.33	+$918.00 → HCBC
3	$15,813	$1,559.22	$13,780	$247.16	+$2.0K → HCBC
4	$19,235	$2,314.45	$15,285	$251.67	+$4.0K → HCBC
5	$24,101	$3,520.33	$16,932	$255.88	+$7.2K → HCBC
6	$31,304	$5,515.87	$18,733	$259.81	+$12.6K → HCBC
7	$42,454	$8,958.78	$20,701	$263.46	+$21.8K → HCBC
8	$60,619	$15,192.86	$22,852	$266.86	+$37.8K → HCBC
9	$91,989	$27,126.79	$25,201	$270.01	+$66.8K → HCBC
10	$149,904	$51,475.22	$27,768	$272.94	+$122.1K → HCBC

HCBC vs VYM: Complete Analysis 2026

HCBC — Stock

High Country Bancorp, Inc., a bank holding company, provides various banking products and services. The company accepts checking, savings, money market, and individual retirement accounts; time deposits; and certificates of deposits. It also provides personal loans; commercial real estate loans, commercial equipment loans, and commercial lines of credit; and mortgage loans. In addition, the company offers credit and debit cards; and mobile banking, online, and merchant card services, as well as invests in notes receivables and real estate properties. It operates through main office in Salida, Colorado; and branch offices in Salida, Buena Vista, Canon City, and Longmont, Colorado. High Country Bancorp, Inc. was founded in 1886 and is based in Salida, Colorado.

Full HCBC Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.