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HSBI vs RYLD: Dividend Comparison 2026

HSBI yields 49.66% · RYLD yields 12.14%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HSBI wins by $342.6K in total portfolio value
10 years
HSBI
HSBI
● Live price
49.66%
Share price
$30.84
Annual div
$15.31
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$387.1K
Annual income
$78,030.56
Full HSBI 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 — HSBI vs RYLD

📍 HSBI 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 PeriodHSBIRYLD
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, HSBI + RYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HSBI pays
RYLD pays
Both pay
Neither
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Tax Bracket Optimizer

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

HSBI
Annual income on $10K today (after 15% tax)
$4,221.05/yr
After 10yr DRIP, annual income (after tax)
$66,325.98/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, HSBI beats the other by $64,126.73/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HSBI: 50%RYLD: 50%
100% RYLD50/50100% HSBI
Portfolio after 10yr
$215.8K
Annual income
$40,308.95/yr
Blended yield
18.68%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HSBI buys
0
RYLD buys
0
No recent congressional trades found for HSBI or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHSBIRYLD
Forward yield49.66%12.14%
Annual dividend / share$15.31$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$387.1K$44.5K
Annual income after 10y$78,030.56$2,587.35
Total dividends collected$308.4K$18.8K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearHSBI PortfolioHSBI Income/yrRYLD PortfolioRYLD Income/yrGap
1← crossover$15,666$4,965.94$11,914$1,213.65+$3.8KHSBI
2$24,033$7,270.66$14,099$1,351.30+$9.9KHSBI
3$36,140$10,424.27$16,580$1,494.55+$19.6KHSBI
4$53,320$14,649.94$19,384$1,642.61+$33.9KHSBI
5$77,252$20,200.05$22,535$1,794.70+$54.7KHSBI
6$110,012$27,352.18$26,063$1,950.00+$83.9KHSBI
7$154,116$36,403.05$29,995$2,107.69+$124.1KHSBI
8$212,565$47,660.83$34,361$2,266.99+$178.2KHSBI
9$288,880$61,435.86$39,194$2,427.12+$249.7KHSBI
10$387,132$78,030.56$44,525$2,587.35+$342.6KHSBI

HSBI vs RYLD: Complete Analysis 2026

HSBIStock

Heritage Southeast Bancorporation, Inc. operates as the bank holding company for Heritage Southeast Bank that provides a range of commercial and consumer banking products and services primarily in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida. The company offers checking and savings, money market, and individual retirement accounts, as well as certificates of deposit; personal, home equity, mortgage, term, small business administration, commercial real estate, and construction loans; personal lines of credit; accounts receivable financing; credit and debit cards; and mobile, online, and telephone banking services, as well as cash management, courier, and remote deposit services. The company was founded in 1995 and is based in Jonesboro, Georgia.

Full HSBI 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 →
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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.