HomeCompareHTLF vs RYLD

HTLF vs RYLD: Dividend Comparison 2026

HTLF yields 1.86% · RYLD yields 12.39%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HTLF wins by $46.58M in total portfolio value· pulled ahead in Year 4
10 years
HTLF
HTLF
● Live price
1.86%
Share price
$64.67
Annual div
$1.20
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$46.63M
Annual income
$42,251,647.15
Full HTLF calculator →
RYLD
RYLD
● Live price
12.39%
Share price
$14.64
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.3K
Annual income
$2,682.98
Full RYLD calculator →

Portfolio growth — HTLF vs RYLD

📍 HTLF pulled ahead of the other in Year 4

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 PeriodHTLFRYLD
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, HTLF + RYLD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HTLF
Annual income on $10K today (after 15% tax)
$157.72/yr
After 10yr DRIP, annual income (after tax)
$35,913,900.08/yr
RYLD
Annual income on $10K today (after 15% tax)
$1,053.44/yr
After 10yr DRIP, annual income (after tax)
$2,280.53/yr
At 15% tax rate, HTLF beats the other by $35,911,619.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HTLF: 50%RYLD: 50%
100% RYLD50/50100% HTLF
Portfolio after 10yr
$23.34M
Annual income
$21,127,165.06/yr
Blended yield
90.54%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on HTLF right now

HTLF
Analyst Ratings
2
Strong
6
Buy
5
Hold
Consensus: Buy
Price Target
$60.00
-7.2% upside vs current
Range: $60.00 — $60.00
Altman Z
-0.0
Piotroski
6/9
RYLD
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)

HTLF buys
0
RYLD buys
0
No recent congressional trades found for HTLF or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHTLFRYLD
Forward yield1.86%12.39%
Annual dividend / share$1.20$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$46.63M$45.3K
Annual income after 10y$42,251,647.15$2,682.98
Total dividends collected$46.26M$19.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearHTLF PortfolioHTLF Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,071$371.11$11,939$1,239.34$868.00RYLD
2$12,614$767.97$14,158$1,382.89$1.5KRYLD
3$15,133$1,635.52$16,682$1,532.59$1.5KRYLD
4← crossover$19,859$3,667.41$19,537$1,687.64+$322.00HTLF
5$30,246$8,996.14$22,752$1,847.20+$7.5KHTLF
6$57,972$25,609.50$26,355$2,010.43+$31.6KHTLF
7$153,780$91,749.94$30,376$2,176.45+$123.4KHTLF
8$619,462$454,917.27$34,847$2,344.43+$584.6KHTLF
9$4,088,079$3,425,254.74$39,800$2,513.54+$4.05MHTLF
10$46,625,892$42,251,647.15$45,269$2,682.98+$46.58MHTLF

HTLF vs RYLD: Complete Analysis 2026

HTLFStock

Heartland Financial USA, Inc., a multi-bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. It accepts various deposit products, including checking and other demand deposit accounts; NOW, savings, money market, individual retirement, and health savings accounts; certificates of deposit; and other time deposits. The company also offers commercial and industrial loans; commercial real estate loans; real estate mortgage loans; small business loans; agricultural loans; consumer loans comprising motor vehicle and home improvement loans, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, it provides online banking, mobile banking, telephone banking, bill payment, automated clearing house, wire transfer, zero balance account, transaction reporting, lock box, remote deposit capture, accounts receivable, investment sweep account, reconciliation, treasury management, wealth management, trust, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, as well as commercial purchasing and merchant credit cards, debit cards, and automated teller machines. Further, the company offers investment services, such as mutual funds, annuities, retirement products, education savings products, and brokerage services, as well as vehicle, property and casualty, and life and disability insurance products. Additionally, it is involved in the community development, consumer finance, multi-line insurance agency, and property management businesses. The company operates through 129 banking locations in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa.

Full HTLF 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 HTLF vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

HTLF vs SCHDHTLF vs JEPIHTLF vs OHTLF vs KOHTLF 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.