Is HTBI or XYLD a better dividend investment in 2026?

HTBI currently yields 1.31% 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 HTBI and XYLD?

HTBI has a forward dividend yield of 1.31% ($0.48/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 9.67 percentage points.

Home › Compare › HTBI vs XYLD

HTBI vs XYLD: Dividend Comparison 2026

HTBI yields 1.31% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 HTBI wins by $80.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

HTBI

● Live price

1.31%

Share price

$36.55

Annual div

$0.48

5Y div CAGR

58.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$105.3K

Annual income

$41,554.79

Full HTBI 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 — HTBI vs XYLD

📍 HTBI 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	HTBI	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%.

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Dividend Calendar Overlap

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HTBI pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

HTBI

Annual income on $10K today (after 15% tax)

$111.63/yr

After 10yr DRIP, annual income (after tax)

$35,321.57/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, HTBI beats the other by $32,585.40/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

HTBI: 50%XYLD: 50%

100% XYLD50/50100% HTBI

Portfolio after 10yr

$65.3K

Annual income

$22,386.91/yr

Blended yield

34.28%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on HTBI right now

HTBI

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$42.00

+14.9% upside vs current

Range: $42.00 — $42.00

Altman Z

0.3

Piotroski

5/9

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HTBI buys

XYLD buys

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

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

MetricHTBIXYLD

Forward yield	1.31%	10.98% ✓
Annual dividend / share	$0.48	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	58.1% ✓	0%
Portfolio after 10y	$105.3K ✓	$25.3K
Annual income after 10y	$41,554.79 ✓	$3,219.02
Total dividends collected	$79.5K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	HTBI Portfolio	HTBI Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$10,908	$207.63	$10,818	$1,098.39	+$90.00 → HTBI
2	$12,006	$334.63	$11,738	$1,222.51	+$268.00 → HTBI
3	$13,390	$544.22	$12,774	$1,364.64	+$616.00 → HTBI
4	$15,225	$896.86	$13,944	$1,527.86	+$1.3K → HTBI
5	$17,797	$1,506.69	$15,270	$1,715.87	+$2.5K → HTBI
6	$21,645	$2,602.40	$16,775	$1,933.09	+$4.9K → HTBI
7	$27,837	$4,676.66	$18,490	$2,184.87	+$9.3K → HTBI
8	$38,672	$8,886.80	$20,450	$2,477.63	+$18.2K → HTBI
9	$59,621	$18,241.97	$22,697	$2,819.19	+$36.9K → HTBI
10	$105,350	$41,554.79	$25,280	$3,219.02	+$80.1K → HTBI

HTBI vs XYLD: Complete Analysis 2026

HTBI — Stock

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises retail consumer loans, such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services. As of June 30, 2021, the company operated 41 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

Full HTBI 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 →

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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.