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HMST vs XYLD: Dividend Comparison 2026

HMST yields 14.42% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HMST wins by $5428538.25M in total portfolio value
10 years
HMST
HMST
● Live price
14.42%
Share price
$13.87
Annual div
$2.00
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$5428538.27M
Annual income
$5,357,167,641,737.20
Full HMST 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — HMST vs XYLD

📍 HMST 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 PeriodHMSTXYLD
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, HMST + XYLD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HMST
Annual income on $10K today (after 15% tax)
$1,225.67/yr
After 10yr DRIP, annual income (after tax)
$4,553,592,495,476.62/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, HMST beats the other by $4,553,592,492,740.45/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HMST: 50%XYLD: 50%
100% XYLD50/50100% HMST
Portfolio after 10yr
$2714269.15M
Annual income
$2,678,583,822,478.11/yr
Blended yield
98.69%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on HMST right now

HMST
Analyst Ratings
3
Buy
7
Hold
Consensus: Hold
Price Target
$13.50
-2.7% upside vs current
Range: $13.50 — $13.50
Altman Z
1.1
Piotroski
7/9
XYLD
No analyst data
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HMST buys
0
XYLD buys
0
No recent congressional trades found for HMST or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHMSTXYLD
Forward yield14.42%10.98%
Annual dividend / share$2.00$4.30
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$5428538.27M$25.3K
Annual income after 10y$5,357,167,641,737.20$3,219.02
Total dividends collected$5423758.34M$19.6K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearHMST PortfolioHMST Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$13,584$2,883.92$10,818$1,098.39+$2.8KHMST
2$21,857$7,322.42$11,738$1,222.51+$10.1KHMST
3$45,410$22,022.72$12,774$1,364.64+$32.6KHMST
4$134,110$85,521.08$13,944$1,527.86+$120.2KHMST
5$615,592$472,094.19$15,270$1,715.87+$600.3KHMST
6$4,709,171$4,050,487.51$16,775$1,933.09+$4.69MHMST
7$62,955,705$57,916,892.81$18,490$2,184.87+$62.94MHMST
8$1,514,607,910$1,447,245,305.76$20,450$2,477.63+$1514.59MHMST
9$66,701,522,169$65,080,891,704.62$22,697$2,819.19+$66701.50MHMST
10$5,428,538,270,458$5,357,167,641,737.20$25,280$3,219.02+$5428538.25MHMST

HMST vs XYLD: Complete Analysis 2026

HMSTStock

HomeStreet, Inc. operates as the bank holding company for HomeStreet Bank that provides commercial, mortgage, and consumer/retail banking services primarily in the Western United States. The company offers personal and business checking, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit; credit cards; insurance; and treasury management products and services. Its loan products include commercial business and agriculture loans, single family residential mortgages, consumer loans, commercial loans secured by residential and commercial real estate, and construction loans for residential and commercial real estate development, as well as consumer installment loans and permanent loans on commercial real estate and single-family residences. In addition, the company offers its products and services through bank branches, loan production offices, and ATMs, as well as through online, mobile, and telephone banking. As of December 31, 2021, it operated 60 full-service bank branches located in Washington state, Northern and Southern California, the Portland, Oregon, and Hawaii; and five primary stand-alone commercial lending centers in Central Washington, Oregon, Southern California, Idaho, and Utah. HomeStreet, Inc. serves small and medium sized businesses, real estate investors, professional firms, and individuals. The company was formerly known as Continental Mortgage and Loan Company. HomeStreet, Inc. was incorporated in 1921 and is headquartered in Seattle, Washington.

Full HMST Calculator →

XYLDETF

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.