HomeCompareHMNF vs RYLD

HMNF vs RYLD: Dividend Comparison 2026

HMNF yields 1.43% · RYLD yields 12.14%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $22.8K in total portfolio value
10 years
HMNF
HMNF
● Live price
1.43%
Share price
$27.99
Annual div
$0.40
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.7K
Annual income
$156.78
Full HMNF calculator →
RYLD
RYLD
● Live price
12.14%
Share price
$14.95
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44.5K
Annual income
$2,587.35
Full RYLD calculator →

Portfolio growth — HMNF vs RYLD

📍 RYLD 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 PeriodHMNFRYLD
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, HMNF + RYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HMNF pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

HMNF
Annual income on $10K today (after 15% tax)
$121.47/yr
After 10yr DRIP, annual income (after tax)
$133.26/yr
RYLD
Annual income on $10K today (after 15% tax)
$1,031.60/yr
After 10yr DRIP, annual income (after tax)
$2,199.25/yr
At 15% tax rate, RYLD beats the other by $2,065.98/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HMNF + RYLD for your $10,000?

HMNF: 50%RYLD: 50%
100% RYLD50/50100% HMNF
Portfolio after 10yr
$33.1K
Annual income
$1,372.06/yr
Blended yield
4.14%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HMNF buys
0
RYLD buys
0
No recent congressional trades found for HMNF or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHMNFRYLD
Forward yield1.43%12.14%
Annual dividend / share$0.40$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$21.7K$44.5K
Annual income after 10y$156.78$2,587.35
Total dividends collected$1.5K$18.8K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: HMNF vs RYLD ($10,000, DRIP)

YearHMNF PortfolioHMNF Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$10,843$142.91$11,914$1,213.65$1.1KRYLD
2$11,747$144.82$14,099$1,351.30$2.4KRYLD
3$12,716$146.62$16,580$1,494.55$3.9KRYLD
4$13,754$148.33$19,384$1,642.61$5.6KRYLD
5$14,867$149.95$22,535$1,794.70$7.7KRYLD
6$16,059$151.48$26,063$1,950.00$10.0KRYLD
7$17,336$152.92$29,995$2,107.69$12.7KRYLD
8$18,704$154.28$34,361$2,266.99$15.7KRYLD
9$20,169$155.57$39,194$2,427.12$19.0KRYLD
10$21,737$156.78$44,525$2,587.35$22.8KRYLD

HMNF vs RYLD: Complete Analysis 2026

HMNFStock

HMN Financial, Inc. operates as a bank holding company for Home Federal Savings Bank that provides various retail banking products and services. The company offers various deposit accounts, such as savings, interest bearing checking, non-interest bearing checking, money market, and certificate accounts. Its loan products include single family residential loans; commercial real estate and multi-family mortgage loans; construction loans; consumer loans, such as home equity, automobile, recreational vehicle, mobile home, and lot loans, as well as loans secured by deposit accounts, and other loans for household and personal purposes; and commercial business loans. The company offers financial planning products and services; and invests in mortgage-backed and related securities, the United States government agency obligations, and other permissible investments. It operates through 14 full service branches located in Minnesota, Wisconsin, and Iowa; and two loan origination offices in Sartell, Minnesota and La Crosse, Wisconsin. HMN Financial, Inc. was founded in 1934 and is headquartered in Rochester, Minnesota.

Full HMNF Calculator →

RYLDETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD Calculator →
📬

Get this HMNF vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

HMNF vs SCHDHMNF vs JEPIHMNF vs OHMNF vs KOHMNF vs MAIN

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