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HCBN vs HDV: Dividend Comparison 2026

HCBN yields 2.09% · HDV yields 2.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HCBN wins by $436.5K in total portfolio value
10 years
HCBN
HCBN
● Live price
2.09%
Share price
$67.03
Annual div
$1.40
5Y div CAGR
64.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$460.8K
Annual income
$279,403.47
Full HCBN calculator →
HDV
iShares Core High Dividend ETF
● Live price
2.92%
Share price
$135.39
Annual div
$3.96
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.3K
Annual income
$352.73
Full HDV calculator →

Portfolio growth — HCBN vs HDV

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

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
HCBN 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.

HCBN
Annual income on $10K today (after 15% tax)
$177.53/yr
After 10yr DRIP, annual income (after tax)
$237,492.95/yr
HDV
Annual income on $10K today (after 15% tax)
$248.52/yr
After 10yr DRIP, annual income (after tax)
$299.82/yr
At 15% tax rate, HCBN beats the other by $237,193.13/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HCBN: 50%HDV: 50%
100% HDV50/50100% HCBN
Portfolio after 10yr
$242.5K
Annual income
$139,878.09/yr
Blended yield
57.67%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HCBN buys
0
HDV buys
0
No recent congressional trades found for HCBN or HDV in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHCBNHDV
Forward yield2.09%2.92% ✓
Annual dividend / share$1.40$3.96 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR64.5% ✓0%
Portfolio after 10y$460.8K ✓$24.3K
Annual income after 10y$279,403.47 ✓$352.73
Total dividends collected$422.1K ✓$3.2K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearHCBN PortfolioHCBN Income/yrHDV PortfolioHDV Income/yrGap
1← crossover$11,044$343.58$11,002$292.38+$42.00 → HCBN
2$12,400$583.33$12,084$300.36+$316.00 → HCBN
3$14,275$1,006.95$13,250$308.02+$1.0K → HCBN
4$17,056$1,782.15$14,506$315.35+$2.5K → HCBN
5$21,524$3,273.69$15,858$322.35+$5.7K → HCBN
6$29,382$6,351.22$17,313$329.04+$12.1K → HCBN
7$44,768$13,328.97$18,878$335.42+$25.9K → HCBN
8$79,123$31,222.15$20,560$341.49+$58.6K → HCBN
9$169,499$84,837.27$22,367$347.25+$147.1K → HCBN
10$460,768$279,403.47$24,307$352.73+$436.5K → HCBN

HCBN vs HDV: Complete Analysis 2026

HCBN — Stock

HCB Financial Corp. operates as the bank holding company for Highpoint Community Bank that provides various banking products and services in Michigan. The company offers various personal banking services, including checking and savings accounts; mortgage, home equity, and personal loans; and overdraft services. It also provides business banking services comprising business checking and savings accounts; business loan services, such as real estate lending, lines of credit, and term loans; small business administration loans; other services consisting of sweep and courier banking services, merchant credit card services, night depository services, wire services, health savings accounts, and business mentoring; and overdraft and digital services. In addition, the company offers trust and investment services; electronic banking services, including mobile, telephone, and online banking, mobile deposit, eStatements, and bill pay services; and debit and ATM, credit, gift, and reloadable cards. Further, it provides wealth management services, including investment management, personal trust administration, estate administration, individual retirement account, asset protection and risk management, investment and retirement planning, financial planning, and asset accumulation. Additionally, the company offers insurance services, which include life, health, and disability insurance, and education planning; and annuities, bonds, IRAs, mutual funds, and stocks products. The company operates seven full-service banking offices in Barry County. HCB Financial Corp. was founded in 1886 and is headquartered in Hastings, Michigan.

Full HCBN 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.