HomeCompareHRBK vs SPHD

HRBK vs SPHD: Dividend Comparison 2026

HRBK yields 5.39% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HRBK wins by $2.0K in total portfolio value
10 years
HRBK
HRBK
● Live price
5.39%
Share price
$18.55
Annual div
$1.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.5K
Annual income
$760.69
Full HRBK calculator →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — HRBK vs SPHD

📍 HRBK 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 PeriodHRBKSPHD
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, HRBK + SPHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HRBK
Annual income on $10K today (after 15% tax)
$458.22/yr
After 10yr DRIP, annual income (after tax)
$646.59/yr
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, HRBK beats the other by $160.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HRBK + SPHD for your $10,000?

HRBK: 50%SPHD: 50%
100% SPHD50/50100% HRBK
Portfolio after 10yr
$27.5K
Annual income
$666.00/yr
Blended yield
2.42%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HRBK buys
0
SPHD buys
0
No recent congressional trades found for HRBK or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHRBKSPHD
Forward yield5.39%4.33%
Annual dividend / share$1.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$28.5K$26.5K
Annual income after 10y$760.69$571.32
Total dividends collected$6.5K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: HRBK vs SPHD ($10,000, DRIP)

YearHRBK PortfolioHRBK Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,239$539.08$11,133$432.85+$106.00HRBK
2$12,592$566.24$12,363$450.36+$229.00HRBK
3$14,066$592.91$13,695$467.39+$371.00HRBK
4$15,670$619.00$15,138$483.90+$532.00HRBK
5$17,411$644.45$16,697$499.88+$714.00HRBK
6$19,299$669.22$18,382$515.31+$917.00HRBK
7$21,344$693.26$20,198$530.17+$1.1KHRBK
8$23,554$716.54$22,157$544.46+$1.4KHRBK
9$25,942$739.02$24,266$558.18+$1.7KHRBK
10$28,519$760.69$26,536$571.32+$2.0KHRBK

HRBK vs SPHD: Complete Analysis 2026

HRBKStock

Harbor Bankshares Corporation provides various banking services in Maryland. The company offers personal checking, savings and investment, cards, individual retirement plans, certificate of deposits, mortgages, loans and lines of credit, online banking, bill pay, mobile banking, E-statement, telebanc, and interest rate services. It also provides business loans, remote deposit, positive pay, cash management, and merchant services. In addition, the company offers personal, home equity, installment, and VIP loans; home equity and overdraft lines of credit. Further, the company provides brokerage and insurance products. The company operates through six branch locations primarily serves the Baltimore, Maryland Metropolitan area. Harbor Bankshares Corporation was founded in 1982 and is based in Baltimore, Maryland.

Full HRBK Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD Calculator →
📬

Get this HRBK vs SPHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

HRBK vs SCHDHRBK vs JEPIHRBK vs OHRBK vs KOHRBK 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.