HomeCompareIBWC vs SPHD

IBWC vs SPHD: Dividend Comparison 2026

IBWC yields 0.32% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 IBWC wins by $211.2K in total portfolio value· pulled ahead in Year 6
10 years
IBWC
IBWC
● Live price
0.32%
Share price
$41.00
Annual div
$0.13
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$237.7K
Annual income
$148,035.98
Full IBWC 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 — IBWC vs SPHD

📍 IBWC pulled ahead of the other in Year 6

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 PeriodIBWCSPHD
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, IBWC + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IBWC pays
SPHD pays
Both pay
Neither
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Tax Bracket Optimizer

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

IBWC
Annual income on $10K today (after 15% tax)
$26.95/yr
After 10yr DRIP, annual income (after tax)
$125,830.58/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, IBWC beats the other by $125,344.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IBWC: 50%SPHD: 50%
100% SPHD50/50100% IBWC
Portfolio after 10yr
$132.1K
Annual income
$74,303.65/yr
Blended yield
56.23%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IBWC buys
0
SPHD buys
0
No recent congressional trades found for IBWC or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIBWCSPHD
Forward yield0.32%4.33%
Annual dividend / share$0.13$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$237.7K$26.5K
Annual income after 10y$148,035.98$571.32
Total dividends collected$210.4K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearIBWC PortfolioIBWC Income/yrSPHD PortfolioSPHD Income/yrGap
1$10,763$63.41$11,133$432.85$370.00SPHD
2$11,644$127.58$12,363$450.36$719.00SPHD
3$12,718$257.99$13,695$467.39$977.00SPHD
4$14,134$526.66$15,138$483.90$1.0KSPHD
5$16,218$1,094.09$16,697$499.88$479.00SPHD
6← crossover$19,700$2,346.47$18,382$515.31+$1.3KIBWC
7$26,406$5,327.52$20,198$530.17+$6.2KIBWC
8$41,603$13,348.06$22,157$544.46+$19.4KIBWC
9$83,823$39,307.92$24,266$558.18+$59.6KIBWC
10$237,726$148,035.98$26,536$571.32+$211.2KIBWC

IBWC vs SPHD: Complete Analysis 2026

IBWCStock

IBW Financial Corporation operates as the bank holding company for Industrial Bank that provides various banking and financial products and services to individual consumers, small-and middle-market businesses, and government agencies in Washington, the District of Columbia. It offers checking, savings, and certificate of deposit accounts; savings and investments products; mortgages; business credit and financing, SBA loans, non-profit and faith-based lending, commercial real estate financing, and short- and long-term financing; and cash management products. The company was founded in 1934 and is based in Washington, the District of Columbia.

Full IBWC 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.