Is LBC or RYLD a better dividend investment in 2026?

LBC currently yields 5.25% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between LBC and RYLD?

LBC has a forward dividend yield of 5.25% ($0.48/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 6.89 percentage points.

Home › Compare › LBC vs RYLD

LBC vs RYLD: Dividend Comparison 2026

LBC yields 5.25% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 RYLD wins by $23.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

LBC

● Live price

5.25%

Share price

$9.15

Annual div

$0.48

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.6K

Annual income

$0.54

Full LBC 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 — LBC vs RYLD

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

LBC 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.

LBC

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

$445.90/yr

After 10yr DRIP, annual income (after tax)

$0.46/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, RYLD beats the other by $2,198.79/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 LBC + RYLD for your $10,000?

LBC: 50%RYLD: 50%

100% RYLD50/50100% LBC

Portfolio after 10yr

$32.6K

Annual income

$1,293.94/yr

Blended yield

3.97%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on LBC right now

LBC

Analyst Ratings

Buy

Hold

Consensus: Hold

Altman Z

0.5

Piotroski

5/9

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)

LBC buys

RYLD buys

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

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

MetricLBCRYLD

Forward yield	5.25%	12.14% ✓
Annual dividend / share	$0.48	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$20.6K	$44.5K ✓
Annual income after 10y	$0.54	$2,587.35 ✓
Total dividends collected	$532.00 ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	LBC Portfolio	LBC Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$10,962	$262.30	$11,914	$1,213.65	$952.00 → RYLD
2	$11,864	$134.36	$14,099	$1,351.30	$2.2K → RYLD
3	$12,762	$67.95	$16,580	$1,494.55	$3.8K → RYLD
4	$13,690	$34.16	$19,384	$1,642.61	$5.7K → RYLD
5	$14,665	$17.12	$22,535	$1,794.70	$7.9K → RYLD
6	$15,701	$8.57	$26,063	$1,950.00	$10.4K → RYLD
7	$16,804	$4.29	$29,995	$2,107.69	$13.2K → RYLD
8	$17,982	$2.14	$34,361	$2,266.99	$16.4K → RYLD
9	$19,242	$1.07	$39,194	$2,427.12	$20.0K → RYLD
10	$20,590	$0.54	$44,525	$2,587.35	$23.9K → RYLD

LBC vs RYLD: Complete Analysis 2026

LBC — Stock

Luther Burbank Corporation operates as the bank holding company for Luther Burbank Savings that provides various banking products and services for real estate investors, professionals, entrepreneurs, depositors, and commercial businesses. The company offers interest and noninterest-bearing transaction accounts, certificates of deposit, and money market accounts. It also provides commercial real estate loans, including first mortgage loans for the purchase, refinance, or build-out of tenant improvements on investor-owned multifamily residential properties, as well as loans for the purchase, refinance, or improvement of office, retail, and light industrial properties; single family residential loans; and a portfolio of 30-year fixed rate first mortgage and a forgivable second mortgage. In addition, the company offers ATM, debit cards, online and mobile banking, and real estate investment services; and issues trust preferred securities. As of December 31, 2021, it operated ten full service branches in California located in Sonoma, Marin, Santa Clara, and Los Angeles Counties; one full service branch in Washington located in King County; six loan production offices located throughout California; and a loan production office in Clackamas County, Oregon. Luther Burbank Corporation was founded in 1983 and is headquartered in Santa Rosa, California.

Full LBC 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.