HomeCompareHFBK vs SCHD

HFBK vs SCHD: Dividend Comparison 2026

HFBK yields 2.37% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HFBK wins by $10.72M in total portfolio value· pulled ahead in Year 2
10 years
HFBK
HFBK
● Live price
2.37%
Share price
$40.95
Annual div
$0.97
5Y div CAGR
84.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$10.75M
Annual income
$9,102,027.37
Full HFBK calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — HFBK vs SCHD

📍 HFBK pulled ahead of the other in Year 2

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 PeriodHFBKSCHD
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, HFBK + SCHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HFBK pays
SCHD pays
Both pay
Neither
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Tax Bracket Optimizer

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

HFBK
Annual income on $10K today (after 15% tax)
$201.34/yr
After 10yr DRIP, annual income (after tax)
$7,736,723.26/yr
SCHD
Annual income on $10K today (after 15% tax)
$294.40/yr
After 10yr DRIP, annual income (after tax)
$362.06/yr
At 15% tax rate, HFBK beats the other by $7,736,361.21/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HFBK + SCHD for your $10,000?

HFBK: 50%SCHD: 50%
100% SCHD50/50100% HFBK
Portfolio after 10yr
$5.39M
Annual income
$4,551,226.65/yr
Blended yield
84.47%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HFBK buys
0
SCHD buys
0
No recent congressional trades found for HFBK or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHFBKSCHD
Forward yield2.37%3.46%
Annual dividend / share$0.97$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR84.6%0%
Portfolio after 10y$10.75M$29.0K
Annual income after 10y$9,102,027.37$425.95
Total dividends collected$10.59M$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: HFBK vs SCHD ($10,000, DRIP)

YearHFBK PortfolioHFBK Income/yrSCHD PortfolioSCHD Income/yrGap
1$11,137$437.27$11,226$346.36$89.00SCHD
2← crossover$12,757$840.19$12,572$357.38+$185.00HFBK
3$15,310$1,660.34$14,046$367.84+$1.3KHFBK
4$19,820$3,437.79$15,660$377.73+$4.2KHFBK
5$28,885$7,677.91$17,425$387.07+$11.5KHFBK
6$50,212$19,304.78$19,354$395.86+$30.9KHFBK
7$111,622$57,895.43$21,461$404.13+$90.2KHFBK
8$341,478$222,042.28$23,762$411.89+$317.7KHFBK
9$1,537,295$1,171,913.90$26,272$419.15+$1.51MHFBK
10$10,746,933$9,102,027.37$29,010$425.95+$10.72MHFBK

HFBK vs SCHD: Complete Analysis 2026

HFBKStock

Harford Bank offers commercial and retail banking products and services for individuals, businesses, and governmental units. It provides various deposit services, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also offers various commercial loans, which include secured and unsecured loans for working capital, business expansion loans, and equipment and machinery purchase loans, as well as commercial mortgages secured by real estate, real estate construction loans, and real estate acquisition loans. In addition, it provides consumer loans, such as secured and unsecured loans for financing automobiles, boats, mobile homes, education, bill consolidation, and home improvements. Further, the company offers various other banking services, including mobile banking, automated teller machine, online banking with bill payment, cash management, commercial account remote deposit capture, safe deposit boxes, direct deposit of payroll and social security checks, and ACH origination services, as well as debit, gift, and credit cards. It operates through eight banking offices in Harford County, Maryland; and two banking offices in Cecil County, Maryland. The company was formerly known as Harford National Bank and changed its name to Harford Bank in July 2001. Harford Bank was founded in 1964 and is based in Aberdeen, Maryland.

Full HFBK Calculator →

SCHDETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.