Is HMCBF or XYLD a better dividend investment in 2026?

HMCBF currently yields 1.38% 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 HMCBF and XYLD?

HMCBF has a forward dividend yield of 1.38% ($0.45/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 9.60 percentage points.

Home › Compare › HMCBF vs XYLD

HMCBF vs XYLD: Dividend Comparison 2026

HMCBF yields 1.38% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 HMCBF wins by $14.44M in total portfolio value

INVESTMENT

TIME HORIZON10 years

HMCBF

● Live price

1.38%

Share price

$32.52

Annual div

$0.45

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$14.46M

Annual income

$12,699,403.13

Full HMCBF 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 — HMCBF vs XYLD

📍 HMCBF pulled ahead of the other in Year 1

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	HMCBF	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, HMCBF + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HMCBF 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.

HMCBF

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

$117.62/yr

After 10yr DRIP, annual income (after tax)

$10,794,492.66/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, HMCBF beats the other by $10,791,756.49/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 HMCBF + XYLD for your $10,000?

HMCBF: 50%XYLD: 50%

100% XYLD50/50100% HMCBF

Portfolio after 10yr

$7.24M

Annual income

$6,351,311.08/yr

Blended yield

87.68%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HMCBF buys

XYLD buys

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

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

MetricHMCBFXYLD

Forward yield	1.38%	10.98% ✓
Annual dividend / share	$0.45	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$14.46M	$25.3K ✓
Annual income after 10y	$12,699,403.13 ✓	$3,219.02
Total dividends collected	$14.30M	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	HMCBF Portfolio	HMCBF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$10,977	$276.75	$10,818	$1,098.39	+$159.00 → HMCBF
2	$12,313	$567.82	$11,738	$1,222.51	+$575.00 → HMCBF
3	$14,365	$1,190.55	$12,774	$1,364.64	+$1.6K → HMCBF
4	$17,967	$2,596.26	$13,944	$1,527.86	+$4.0K → HMCBF
5	$25,295	$6,069.57	$15,270	$1,715.87	+$10.0K → HMCBF
6	$43,037	$15,971.64	$16,775	$1,933.09	+$26.3K → HMCBF
7	$96,843	$50,793.60	$18,490	$2,184.87	+$78.4K → HMCBF
8	$317,262	$213,640.47	$20,450	$2,477.63	+$296.8K → HMCBF
9	$1,647,690	$1,308,218.71	$22,697	$2,819.19	+$1.62M → HMCBF
10	$14,462,431	$12,699,403.13	$25,280	$3,219.02	+$14.44M → HMCBF

HMCBF vs XYLD: Complete Analysis 2026

HMCBF — Stock

Home Capital Group Inc., through its subsidiary, Home Trust Company, provides residential and nonresidential mortgage lending, securitization of residential mortgage products, consumer lending, and credit card services in Canada. It offers deposits through brokers and financial planners under the Oaken Financial brand. The company also provides credit card and line of credit services, including Equityline Visa product, a home equity line of credit that is secured by residential property; and cash-secured and unsecured credit card products. In addition, it offers consumer retail lending services for durable household goods, such as water heaters and larger-ticket home improvement items; and consumer loans. Further, the company manages a treasury portfolio. Additionally, the company offers various lending and savings solutions. The company operates through offices in Ontario, Alberta, British Columbia, Nova Scotia, and Quebec. Home Capital Group Inc. was founded in 1986 and is based in Toronto, Canada.

Full HMCBF 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.