Is LRBI or XYLD a better dividend investment in 2026?

LRBI currently yields 1.62% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between LRBI and XYLD?

LRBI has a forward dividend yield of 1.62% ($2.09/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 9.36 percentage points.

Home › Compare › LRBI vs XYLD

LRBI vs XYLD: Dividend Comparison 2026

LRBI yields 1.62% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $3.3K in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

LRBI

● Live price

1.62%

Share price

$129.00

Annual div

$2.09

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.0K

Annual income

$179.94

Full LRBI 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

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — LRBI vs XYLD

📍 XYLD pulled ahead of the other in Year 4

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	LRBI	XYLD
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, LRBI + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

—

May

—

Jun

—

Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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LRBI 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.

LRBI

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

$137.71/yr

After 10yr DRIP, annual income (after tax)

$152.95/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, XYLD beats the other by $2,583.22/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 LRBI + XYLD for your $10,000?

LRBI: 50%XYLD: 50%

100% XYLD50/50100% LRBI

Portfolio after 10yr

$23.7K

Annual income

$1,699.48/yr

Blended yield

7.18%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LRBI buys

XYLD buys

No recent congressional trades found for LRBI or XYLD in the last 90 days.

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

MetricLRBIXYLD

Forward yield	1.62%	10.98% ✓
Annual dividend / share	$2.09	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$22.0K	$25.3K ✓
Annual income after 10y	$179.94	$3,219.02 ✓
Total dividends collected	$1.7K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	LRBI Portfolio	LRBI Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,862	$162.02	$10,818	$1,098.39	+$44.00 → LRBI
2	$11,787	$164.47	$11,738	$1,222.51	+$49.00 → LRBI
3	$12,779	$166.80	$12,774	$1,364.64	+$5.00 → LRBI
4← crossover	$13,842	$169.00	$13,944	$1,527.86	$102.00 → XYLD
5	$14,982	$171.09	$15,270	$1,715.87	$288.00 → XYLD
6	$16,204	$173.07	$16,775	$1,933.09	$571.00 → XYLD
7	$17,513	$174.94	$18,490	$2,184.87	$977.00 → XYLD
8	$18,916	$176.70	$20,450	$2,477.63	$1.5K → XYLD
9	$20,418	$178.37	$22,697	$2,819.19	$2.3K → XYLD
10	$22,028	$179.94	$25,280	$3,219.02	$3.3K → XYLD

LRBI vs XYLD: Complete Analysis 2026

LRBI — Stock

Lake Ridge Bancorp Inc. operates as the bank holding company for Lake Ridge Bank that provides various financial services to individual and corporate customers. The company offers checking, savings, and money market accounts; and home equity line of credit and loans; and car, debt consolidation, and personal reserve accounts, as well as mortgages. It also provides small business loans and financing, commercial real estate and construction loans, business lines of credit, letters of credit, and land development loans, as well as leasing; and executive banking, investment management, and financial and retirement planning services. In addition, the company offers treasury management, employee retirement plans, trustee and estate services, and cash management services; and dairy and agriculture lending, crop insurance, planning and investing, insurance and risk management, and digital investing solutions, as well as debit and credit cards, online and mobile banking services, and remote deposit capture services. It operates in Dane, Rock, Sauk, and Green counties in Wisconsin. The company was formerly known as S.B.C.P. Bancorp, Inc and changed its name to Lake Ridge Bancorp Inc. in October 2022. Lake Ridge Bancorp Inc. was founded in 1908 and is based in Monona, Wisconsin.

Full LRBI 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.