Is ISBC or RYLD a better dividend investment in 2026?

ISBC currently yields 21.83% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: ISBC offers higher current income.

What is the dividend yield difference between ISBC and RYLD?

ISBC has a forward dividend yield of 21.83% ($3.03/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 9.69 percentage points.

Home › Compare › ISBC vs RYLD

ISBC vs RYLD: Dividend Comparison 2026

ISBC yields 21.83% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 ISBC wins by $116771762.58M in total portfolio value

INVESTMENT

TIME HORIZON10 years

ISBC

● Live price

21.83%

Share price

$13.87

Annual div

$3.03

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$116771762.63M

Annual income

$115,752,943,300,661.28

Full ISBC calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — ISBC vs RYLD

📍 ISBC 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	ISBC	RYLD
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, ISBC + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ISBC pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

ISBC

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

$1,855.20/yr

After 10yr DRIP, annual income (after tax)

$98,390,001,805,562.10/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, ISBC beats the other by $98,390,001,803,362.84/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 ISBC + RYLD for your $10,000?

ISBC: 50%RYLD: 50%

100% RYLD50/50100% ISBC

Portfolio after 10yr

$58385881.34M

Annual income

$57,876,471,651,624.31/yr

Blended yield

99.13%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on ISBC right now

ISBC

Analyst Ratings

Buy

Hold

Consensus: Buy

Altman Z

0.9

Piotroski

6/9

RYLD

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ISBC buys

RYLD buys

No recent congressional trades found for ISBC or RYLD in the last 90 days.

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

MetricISBCRYLD

Forward yield	21.83% ✓	12.14%
Annual dividend / share	$3.03 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$116771762.63M ✓	$44.5K
Annual income after 10y	$115,752,943,300,661.28 ✓	$2,587.35
Total dividends collected	$116704072.98M ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: ISBC vs RYLD ($10,000, DRIP)

Year	ISBC Portfolio	ISBC Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$15,065	$4,365.19	$11,914	$1,213.65	+$3.2K → ISBC
2	$28,412	$12,292.02	$14,099	$1,351.30	+$14.3K → ISBC
3	$73,731	$43,330.47	$16,580	$1,494.55	+$57.2K → ISBC
4	$289,072	$210,180.23	$19,384	$1,642.61	+$269.7K → ISBC
5	$1,849,568	$1,540,260.93	$22,535	$1,794.70	+$1.83M → ISBC
6	$20,399,656	$18,420,617.67	$26,063	$1,950.00	+$20.37M → ISBC
7	$401,582,049	$379,754,416.90	$29,995	$2,107.69	+$401.55M → ISBC
8	$14,403,041,597	$13,973,348,804.96	$34,361	$2,266.99	+$14403.01M → ISBC
9	$952,167,596,512	$936,756,342,002.87	$39,194	$2,427.12	+$952167.56M → ISBC
10	$116,771,762,628,929	$115,752,943,300,661.28	$44,525	$2,587.35	+$116771762.58M → ISBC

ISBC vs RYLD: Complete Analysis 2026

ISBC — Stock

Investors Bancorp, Inc. operates as the bank holding company for Investors Bank that provides various banking products and services to individuals and businesses in the United States. Its deposit products include savings, checking, and money market accounts. The company's loan portfolio comprises multi-family, commercial real estate, commercial and industrial, and construction loans; one-to four-family residential mortgage loans secured by one-to four-family residential real estate; and consumer and other loans primarily consisting of home equity loans, and home equity lines of credit, as well as various life insurance products. As of December 31, 2021, it operated through a network of 154 branches in New Jersey, New York, and Pennsylvania. Investors Bancorp, Inc. was founded in 1926 and is headquartered in Short Hills, New Jersey.

Full ISBC Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD 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.