Is LUMB or JEPQ a better dividend investment in 2026?

LUMB currently yields 2.46% with a 5% 5-year dividend growth rate. JEPQ yields 11.10% with 5% growth. The better choice depends on your goal: JEPQ offers higher current income.

What is the dividend yield difference between LUMB and JEPQ?

LUMB has a forward dividend yield of 2.46% ($0.35/share annually). JEPQ yields 11.10% ($6.16/share annually). The yield gap is 8.64 percentage points.

Home › Compare › LUMB vs JEPQ

LUMB vs JEPQ: Dividend Comparison 2026

LUMB yields 2.46% · JEPQ yields 11.10%● Live data

vsPost on X →

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

🏆 LUMB wins by $60.5K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

LUMB

● Live price

2.46%

Share price

$14.25

Annual div

$0.35

5Y div CAGR

45.6%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$105.3K

Annual income

$36,671.64

Full LUMB calculator →

JEPQ

JPMorgan Nasdaq Equity Premium Income ETF

● Live price

11.10%

Share price

$55.52

Annual div

$6.16

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.8K

Annual income

$2,152.59

Full JEPQ calculator →

Portfolio growth — LUMB vs JEPQ

📍 LUMB pulled ahead of the other in Year 7

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	LUMB	JEPQ
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%.

📅

Dividend Calendar Overlap

Combined, LUMB + JEPQ cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

LUMB pays

JEPQ pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

LUMB

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

$208.77/yr

After 10yr DRIP, annual income (after tax)

$31,170.89/yr

JEPQ

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

$943.83/yr

After 10yr DRIP, annual income (after tax)

$1,829.70/yr

At 15% tax rate, LUMB beats the other by $29,341.19/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of LUMB + JEPQ for your $10,000?

LUMB: 50%JEPQ: 50%

100% JEPQ50/50100% LUMB

Portfolio after 10yr

$75.0K

Annual income

$19,412.11/yr

Blended yield

25.87%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LUMB buys

JEPQ buys

No recent congressional trades found for LUMB or JEPQ in the last 90 days.

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

MetricLUMBJEPQ

Forward yield	2.46%	11.10% ✓
Annual dividend / share	$0.35	$6.16 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	45.6% ✓	0%
Portfolio after 10y	$105.3K ✓	$44.8K
Annual income after 10y	$36,671.64 ✓	$2,152.59
Total dividends collected	$78.1K ✓	$16.3K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: LUMB vs JEPQ ($10,000, DRIP)

Year	LUMB Portfolio	LUMB Income/yr	JEPQ Portfolio	JEPQ Income/yr	Gap
1	$11,058	$357.61	$11,930	$1,110.39	$872.00 → JEPQ
2	$12,370	$538.09	$14,133	$1,224.34	$1.8K → JEPQ
3	$14,055	$819.09	$16,632	$1,340.46	$2.6K → JEPQ
4	$16,305	$1,266.39	$19,454	$1,457.97	$3.1K → JEPQ
5	$19,445	$1,999.14	$22,626	$1,576.08	$3.2K → JEPQ
6	$24,051	$3,244.29	$26,175	$1,694.09	$2.1K → JEPQ
7← crossover	$31,195	$5,460.23	$30,133	$1,811.32	+$1.1K → LUMB
8	$43,015	$9,636.92	$34,531	$1,927.17	+$8.5K → LUMB
9	$64,109	$18,082.46	$39,403	$2,041.08	+$24.7K → LUMB
10	$105,268	$36,671.64	$44,787	$2,152.59	+$60.5K → LUMB

LUMB vs JEPQ: Complete Analysis 2026

LUMB — Stock

Lumbee Guaranty Bank provides various community banking services. The company offers personal and business checking and savings accounts; personal certificates of deposit and individual retirement accounts; and business investment accounts. It also provides mortgage, auto, personal, and business loans, as well as lines of credit; personal convenience and business services. In addition, the company offers online, bill pay, mobile, and telephone banking services. It operates fourteen branch offices in Robeson, Cumberland, and Hoke counties in North Carolina. The company was formerly known as Lumbee Bank and changed its name to Lumbee Guaranty Bank in 1991. Lumbee Guaranty Bank was incorporated in 1971 and is based in Pembroke, North Carolina.

Full LUMB Calculator →

JEPQ — ETF

The fund seeks to achieve this objective by (1) creating an actively managed portfolio of equity securities comprised significantly of those included in the fund’s primary benchmark, the Nasdaq-100 Index (the Benchmark), and (2) through equity-linked notes (ELNs), selling call options with exposure to the Benchmark. It is non-diversified.

Full JEPQ Calculator →

📬

Get this LUMB vs JEPQ comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

LUMB vs SCHD LUMB vs JEPI LUMB vs O LUMB vs KO LUMB vs MAIN LUMB vs XYLD LUMB vs QYLD LUMB vs VYM

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.