Is IDFB or QYLD a better dividend investment in 2026?

IDFB currently yields 16.67% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: IDFB offers higher current income.

What is the dividend yield difference between IDFB and QYLD?

IDFB has a forward dividend yield of 16.67% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 4.75 percentage points.

Home › Compare › IDFB vs QYLD

IDFB vs QYLD: Dividend Comparison 2026

IDFB yields 16.67% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 IDFB wins by $34.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

IDFB

● Live price

16.67%

Share price

$12.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$59.4K

Annual income

$4,638.76

Full IDFB calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — IDFB vs QYLD

📍 IDFB 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 Period	IDFB	QYLD
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, IDFB + QYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

IDFB pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

IDFB

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

$1,416.67/yr

After 10yr DRIP, annual income (after tax)

$3,942.95/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $867.47/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of IDFB + QYLD for your $10,000?

IDFB: 50%QYLD: 50%

100% QYLD50/50100% IDFB

Portfolio after 10yr

$42.4K

Annual income

$5,149.04/yr

Blended yield

12.15%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

IDFB buys

QYLD buys

No recent congressional trades found for IDFB or QYLD in the last 90 days.

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

MetricIDFBQYLD

Forward yield	16.67% ✓	11.92%
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$59.4K ✓	$25.4K
Annual income after 10y	$4,638.76	$5,659.31 ✓
Total dividends collected	$30.6K ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: IDFB vs QYLD ($10,000, DRIP)

Year	IDFB Portfolio	IDFB Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$12,367	$1,666.67	$10,352	$1,192.36	+$2.0K → IDFB
2	$15,159	$1,926.27	$10,830	$1,347.57	+$4.3K → IDFB
3	$18,426	$2,206.69	$11,460	$1,539.07	+$7.0K → IDFB
4	$22,223	$2,506.90	$12,275	$1,777.84	+$9.9K → IDFB
5	$26,604	$2,825.66	$13,323	$2,078.95	+$13.3K → IDFB
6	$31,628	$3,161.43	$14,667	$2,463.34	+$17.0K → IDFB
7	$37,355	$3,512.53	$16,396	$2,960.57	+$21.0K → IDFB
8	$43,847	$3,877.10	$18,631	$3,612.97	+$25.2K → IDFB
9	$51,169	$4,253.19	$21,548	$4,482.15	+$29.6K → IDFB
10	$59,390	$4,638.76	$25,398	$5,659.31	+$34.0K → IDFB

IDFB vs QYLD: Complete Analysis 2026

IDFB — Stock

Peak Bancorp Inc., through its subsidiary, Idaho First Bank, provides various banking products and services to commercial and consumer customers in southwestern Idaho. It offers personal and business deposit products, including savings and checking accounts. The company also provides personal and business lending, as well as home loans; and online and mobile banking, loans and lines of credit, credit cards, and cash management services. Peak Bancorp Inc. serves its customers through its offices in southwestern Idaho, serving McCall, Boise, Eagle, Nampa, and New Meadows, as well as a loan production office in Bend, Oregon. The company was founded in 2005 and is headquartered in McCall, Idaho.

Full IDFB Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.