HomeCompareHTLFP vs SPHD

HTLFP vs SPHD: Dividend Comparison 2026

HTLFP yields 6.99% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HTLFP wins by $44135.28M in total portfolio value
10 years
HTLFP
HTLFP
● Live price
6.99%
Share price
$25.05
Annual div
$1.75
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44135.30M
Annual income
$42,954,134,401.51
Full HTLFP 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 — HTLFP vs SPHD

📍 HTLFP 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 PeriodHTLFPSPHD
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, HTLFP + SPHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HTLFP
Annual income on $10K today (after 15% tax)
$593.81/yr
After 10yr DRIP, annual income (after tax)
$36,511,014,241.28/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, HTLFP beats the other by $36,511,013,755.66/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HTLFP: 50%SPHD: 50%
100% SPHD50/50100% HTLFP
Portfolio after 10yr
$22067.67M
Annual income
$21,477,067,486.41/yr
Blended yield
97.32%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on HTLFP right now

HTLFP
Analyst Ratings
1
Strong
3
Buy
4
Hold
Consensus: Hold
Altman Z
0.7
Piotroski
7/9
SPHD
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)

HTLFP buys
0
SPHD buys
0
No recent congressional trades found for HTLFP or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHTLFPSPHD
Forward yield6.99%4.33%
Annual dividend / share$1.75$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$44135.30M$26.5K
Annual income after 10y$42,954,134,401.51$571.32
Total dividends collected$44054.14M$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearHTLFP PortfolioHTLFP Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$12,097$1,397.21$11,133$432.85+$964.00HTLFP
2$16,103$3,159.31$12,363$450.36+$3.7KHTLFP
3$25,091$7,860.82$13,695$467.39+$11.4KHTLFP
4$49,742$22,894.09$15,138$483.90+$34.6KHTLFP
5$138,057$84,833.46$16,697$499.88+$121.4KHTLFP
6$587,820$440,099.22$18,382$515.31+$569.4KHTLFP
7$4,131,502$3,502,533.73$20,198$530.17+$4.11MHTLFP
8$50,434,895$46,014,188.67$22,157$544.46+$50.41MHTLFP
9$1,103,897,363$1,049,932,024.49$24,266$558.18+$1103.87MHTLFP
10$44,135,304,579$42,954,134,401.51$26,536$571.32+$44135.28MHTLFP

HTLFP vs SPHD: Complete Analysis 2026

HTLFPStock

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 HTLFP 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 →
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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.