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IBTX vs XYLD: Dividend Comparison 2026

IBTX yields 2.51% · XYLD yields 10.98%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IBTX wins by $175.73M in total portfolio value
10 years
IBTX
IBTX
● Live price
2.51%
Share price
$60.67
Annual div
$1.52
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$175.76M
Annual income
$163,242,820.00
Full IBTX 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
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$3,219.02
Full XYLD calculator →

Portfolio growth — IBTX vs XYLD

📍 IBTX 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 PeriodIBTXXYLD
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, IBTX + XYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
IBTX 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.

IBTX
Annual income on $10K today (after 15% tax)
$212.96/yr
After 10yr DRIP, annual income (after tax)
$138,756,397.00/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, IBTX beats the other by $138,753,660.83/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IBTX: 50%XYLD: 50%
100% XYLD50/50100% IBTX
Portfolio after 10yr
$87.89M
Annual income
$81,623,019.51/yr
Blended yield
92.87%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on IBTX right now

IBTX
Analyst Ratings
11
Buy
6
Hold
Consensus: Buy
Price Target
$83.00
+36.8% upside vs current
Range: $83.00 — $83.00
Altman Z
0.0
Piotroski
7/9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IBTX buys
0
XYLD buys
0
No recent congressional trades found for IBTX or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIBTXXYLD
Forward yield2.51%10.98% ✓
Annual dividend / share$1.52$4.30 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓0%
Portfolio after 10y$175.76M ✓$25.3K
Annual income after 10y$163,242,820.00 ✓$3,219.02
Total dividends collected$174.80M ✓$19.6K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearIBTX PortfolioIBTX Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$11,201$501.07$10,818$1,098.39+$383.00 → IBTX
2$13,034$1,049.07$11,738$1,222.51+$1.3K → IBTX
3$16,228$2,281.80$12,774$1,364.64+$3.5K → IBTX
4$22,675$5,310.24$13,944$1,527.86+$8.7K → IBTX
5$38,130$13,868.35$15,270$1,715.87+$22.9K → IBTX
6$84,391$43,591.31$16,775$1,933.09+$67.6K → IBTX
7$270,629$180,331.34$18,490$2,184.87+$252.1K → IBTX
8$1,370,504$1,080,931.05$20,450$2,477.63+$1.35M → IBTX
9$11,698,186$10,231,746.67$22,697$2,819.19+$11.68M → IBTX
10$175,759,879$163,242,820.00$25,280$3,219.02+$175.73M → IBTX

IBTX vs XYLD: Complete Analysis 2026

IBTX — Stock

Independent Bank Group, Inc. operates as the bank holding company for Independent Bank that provides various commercial banking products and services to businesses, professionals, and individuals in the United States. It accepts various deposit products, including checking and savings accounts, demand deposits, money market accounts, and certificates of deposit. The company also provides commercial real estate loans; commercial construction, land, and land development loans; residential real estate loans; single-family interim construction loans; commercial loans comprising SBA guaranteed loans, business term loans, equipment lease financing, lines of credit, and energy related loans; agricultural loans for farmers and ranchers; consumer installment loans comprising loans to purchase cars, boats, and other recreational vehicles; and residential mortgages, as well as mortgage warehouse purchase loans. In addition, it offers debit cards, online and mobile banking, eStatement, bank-by-mail, and direct deposit services; and business accounts and management services, including analyzed business checking, business savings, and treasury management services. As of December 31, 2021, the company operated 93 full-service branches. Independent Bank Group, Inc. was founded in 2002 and is headquartered in McKinney, Texas.

Full IBTX 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.