Is IBTB or SCHD a better dividend investment in 2026?

IBTB currently yields 7.88% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: IBTB offers higher current income.

What is the dividend yield difference between IBTB and SCHD?

IBTB has a forward dividend yield of 7.88% ($2.00/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 4.42 percentage points.

Home › Compare › IBTB vs SCHD

IBTB vs SCHD: Dividend Comparison 2026

IBTB yields 7.88% · SCHD yields 3.46%● Live data

vsPost on X →

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

🏆 IBTB wins by $4.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

IBTB

● Live price

7.88%

Share price

$25.39

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$33.7K

Annual income

$1,297.05

Full IBTB calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — IBTB vs SCHD

📍 IBTB 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	IBTB	SCHD
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, IBTB + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IBTB pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

IBTB

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

$669.55/yr

After 10yr DRIP, annual income (after tax)

$1,102.49/yr

SCHD

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

$294.40/yr

After 10yr DRIP, annual income (after tax)

$362.06/yr

At 15% tax rate, IBTB beats the other by $740.43/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of IBTB + SCHD for your $10,000?

IBTB: 50%SCHD: 50%

100% SCHD50/50100% IBTB

Portfolio after 10yr

$31.3K

Annual income

$861.50/yr

Blended yield

2.75%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IBTB buys

SCHD buys

No recent congressional trades found for IBTB or SCHD in the last 90 days.

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

MetricIBTBSCHD

Forward yield	7.88% ✓	3.46%
Annual dividend / share	$2.00 ✓	$1.06
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$33.7K ✓	$29.0K
Annual income after 10y	$1,297.05 ✓	$425.95
Total dividends collected	$10.5K ✓	$3.9K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: IBTB vs SCHD ($10,000, DRIP)

Year	IBTB Portfolio	IBTB Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,488	$787.71	$11,226	$346.36	+$262.00 → IBTB
2	$13,138	$845.70	$12,572	$357.38	+$566.00 → IBTB
3	$14,961	$903.89	$14,046	$367.84	+$915.00 → IBTB
4	$16,970	$962.01	$15,660	$377.73	+$1.3K → IBTB
5	$19,178	$1,019.82	$17,425	$387.07	+$1.8K → IBTB
6	$21,598	$1,077.09	$19,354	$395.86	+$2.2K → IBTB
7	$24,243	$1,133.63	$21,461	$404.13	+$2.8K → IBTB
8	$27,129	$1,189.24	$23,762	$411.89	+$3.4K → IBTB
9	$30,272	$1,243.76	$26,272	$419.15	+$4.0K → IBTB
10	$33,688	$1,297.05	$29,010	$425.95	+$4.7K → IBTB

IBTB vs SCHD: Complete Analysis 2026

IBTB — Stock

The fund will invest at least 80% of its assets in the component securities of the underlying index, and it will invest at least 90% of its assets in U.S. Treasury securities that BFA believes will help the fund track the underlying index. The underlying index consists of publicly-issued U.S. Treasury securities that are scheduled to mature between January 1, 2022 and December 15, 2022, inclusive. It is non-diversified.

Full IBTB Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD Calculator →

📬

Get this IBTB vs SCHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

IBTB vs JEPI IBTB vs O IBTB vs KO IBTB vs MAIN IBTB vs VYM IBTB vs DGRO IBTB vs VIG IBTB vs HDV

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.