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LUMB vs RYLD: Dividend Comparison 2026

LUMB yields 2.46% · RYLD yields 12.14%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 LUMB wins by $60.7K in total portfolio value· pulled ahead in Year 7
10 years
LUMB
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 →
RYLD
RYLD
● Live price
12.14%
Share price
$14.95
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44.5K
Annual income
$2,587.35
Full RYLD calculator →

Portfolio growth — LUMB vs RYLD

📍 LUMB pulled ahead of the other in Year 7

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 PeriodLUMBRYLD
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, LUMB + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
LUMB 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.

LUMB
Annual income on $10K today (after 15% tax)
$208.77/yr
After 10yr DRIP, annual income (after tax)
$31,170.89/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, LUMB beats the other by $28,971.65/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

LUMB: 50%RYLD: 50%
100% RYLD50/50100% LUMB
Portfolio after 10yr
$74.9K
Annual income
$19,629.49/yr
Blended yield
26.21%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LUMB buys
0
RYLD buys
0
No recent congressional trades found for LUMB or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricLUMBRYLD
Forward yield2.46%12.14% ✓
Annual dividend / share$0.35$1.81 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR45.6% ✓0%
Portfolio after 10y$105.3K ✓$44.5K
Annual income after 10y$36,671.64 ✓$2,587.35
Total dividends collected$78.1K ✓$18.8K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearLUMB PortfolioLUMB Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,058$357.61$11,914$1,213.65$856.00 → RYLD
2$12,370$538.09$14,099$1,351.30$1.7K → RYLD
3$14,055$819.09$16,580$1,494.55$2.5K → RYLD
4$16,305$1,266.39$19,384$1,642.61$3.1K → RYLD
5$19,445$1,999.14$22,535$1,794.70$3.1K → RYLD
6$24,051$3,244.29$26,063$1,950.00$2.0K → RYLD
7← crossover$31,195$5,460.23$29,995$2,107.69+$1.2K → LUMB
8$43,015$9,636.92$34,361$2,266.99+$8.7K → LUMB
9$64,109$18,082.46$39,194$2,427.12+$24.9K → LUMB
10$105,268$36,671.64$44,525$2,587.35+$60.7K → LUMB

LUMB vs RYLD: 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 →

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.