Is HMLN or XYLD a better dividend investment in 2026?

HMLN currently yields 5.85% 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 HMLN and XYLD?

HMLN has a forward dividend yield of 5.85% ($12.00/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 5.13 percentage points.

Home › Compare › HMLN vs XYLD

HMLN vs XYLD: Dividend Comparison 2026

HMLN yields 5.85% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 HMLN wins by $12.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

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 →

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 — HMLN vs XYLD

📍 HMLN 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	HMLN	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%.

📅

Dividend Calendar Overlap

Combined, HMLN + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HMLN pays

XYLD pays

Both pay

Neither

💰

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

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, XYLD beats the other by $469.34/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

HMLN: 50%XYLD: 50%

100% XYLD50/50100% HMLN

Portfolio after 10yr

$31.6K

Annual income

$2,942.94/yr

Blended yield

9.32%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HMLN buys

XYLD buys

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

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

MetricHMLNXYLD

Forward yield	5.85%	10.98% ✓
Annual dividend / share	$12.00 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	9.8% ✓	0%
Portfolio after 10y	$37.9K ✓	$25.3K
Annual income after 10y	$2,666.86	$3,219.02 ✓
Total dividends collected	$14.4K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	HMLN Portfolio	HMLN Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,343	$642.73	$10,818	$1,098.39	+$525.00 → HMLN
2	$12,885	$748.11	$11,738	$1,222.51	+$1.1K → HMLN
3	$14,659	$872.06	$12,774	$1,364.64	+$1.9K → HMLN
4	$16,703	$1,018.09	$13,944	$1,527.86	+$2.8K → HMLN
5	$19,063	$1,190.42	$15,270	$1,715.87	+$3.8K → HMLN
6	$21,791	$1,394.14	$16,775	$1,933.09	+$5.0K → HMLN
7	$24,952	$1,635.39	$18,490	$2,184.87	+$6.5K → HMLN
8	$28,620	$1,921.61	$20,450	$2,477.63	+$8.2K → HMLN
9	$32,885	$2,261.78	$22,697	$2,819.19	+$10.2K → HMLN
10	$37,854	$2,666.86	$25,280	$3,219.02	+$12.6K → HMLN

HMLN vs XYLD: Complete Analysis 2026

HMLN — Stock

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 →

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 →

📬

Get this HMLN vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

HMLN vs SCHD HMLN vs JEPI HMLN vs O HMLN vs KO HMLN vs MAIN HMLN vs QYLD HMLN vs JEPQ HMLN vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.