HomeCompareHMLN vs SCHD

HMLN vs SCHD: Dividend Comparison 2026

HMLN yields 5.85% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HMLN wins by $8.8K in total portfolio value
10 years
HMLN
HMLN
● Live price
5.85%
Share price
$205.00
Annual div
$12.00
5Y div CAGR
9.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.9K
Annual income
$2,666.86
Full HMLN 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 — HMLN vs SCHD

📍 HMLN 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 PeriodHMLNSCHD
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, HMLN + SCHD cover 0 of 12 monthsgood coverage

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

HMLN
Annual income on $10K today (after 15% tax)
$497.56/yr
After 10yr DRIP, annual income (after tax)
$2,266.83/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, HMLN beats the other by $1,904.77/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HMLN: 50%SCHD: 50%
100% SCHD50/50100% HMLN
Portfolio after 10yr
$33.4K
Annual income
$1,546.40/yr
Blended yield
4.63%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HMLN buys
0
SCHD buys
0
No recent congressional trades found for HMLN or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHMLNSCHD
Forward yield5.85%3.46%
Annual dividend / share$12.00$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR9.8%0%
Portfolio after 10y$37.9K$29.0K
Annual income after 10y$2,666.86$425.95
Total dividends collected$14.4K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearHMLN PortfolioHMLN Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,343$642.73$11,226$346.36+$117.00HMLN
2$12,885$748.11$12,572$357.38+$313.00HMLN
3$14,659$872.06$14,046$367.84+$613.00HMLN
4$16,703$1,018.09$15,660$377.73+$1.0KHMLN
5$19,063$1,190.42$17,425$387.07+$1.6KHMLN
6$21,791$1,394.14$19,354$395.86+$2.4KHMLN
7$24,952$1,635.39$21,461$404.13+$3.5KHMLN
8$28,620$1,921.61$23,762$411.89+$4.9KHMLN
9$32,885$2,261.78$26,272$419.15+$6.6KHMLN
10$37,854$2,666.86$29,010$425.95+$8.8KHMLN

HMLN vs SCHD: Complete Analysis 2026

HMLNStock

Hamlin Bank and Trust Company provides various financial and trust services in Northwestern Pennsylvania. The company accepts checking, savings, individual retirement accounts, and certificates of deposit. Its loan products include mortgage loans; consumer loans, including personal, auto, home equity, boat, camper, and recreational vehicle loans; and commercial lines of credit, property and equipment loans, land development and acquisition loans, construction loans, and commercial mortgages. The company also offers debit cards; estate settlement, as well as personal trusts, investment management, and custodial services; and safe deposit boxes, night depository, cashier's checks, travelers checks, and telephone banking services. Hamlin Bank and Trust Company was founded in 1863 and is based in Smethport, Pennsylvania.

Full HMLN 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.