Home › Compare › LUMB vs SPHD

LUMB vs SPHD: Dividend Comparison 2026

LUMB yields 2.46% · SPHD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 LUMB wins by $77.2K in total portfolio value· pulled ahead in Year 2
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 →
SPHD
SPHD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full SPHD calculator →

Portfolio growth — LUMB vs SPHD

📍 LUMB pulled ahead of the other in Year 2

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 PeriodLUMBSPHD
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 + SPHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
LUMB pays
SPHD 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
SPHD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, LUMB beats the other by $30,406.58/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

LUMB: 50%SPHD: 50%
100% SPHD50/50100% LUMB
Portfolio after 10yr
$66.7K
Annual income
$18,785.42/yr
Blended yield
28.18%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LUMB buys
0
SPHD buys
0
No recent congressional trades found for LUMB or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricLUMBSPHD
Forward yield2.46%4.00% ✓
Annual dividend / share$0.35$2.00 ✓
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR45.6% ✓5%
Portfolio after 10y$105.3K ✓$28.0K
Annual income after 10y$36,671.64 ✓$899.19
Total dividends collected$78.1K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearLUMB PortfolioLUMB Income/yrSPHD PortfolioSPHD Income/yrGap
1$11,058$357.61$11,120$420.00$62.00 → SPHD
2← crossover$12,370$538.09$12,357$458.31+$13.00 → LUMB
3$14,055$819.09$13,721$499.76+$334.00 → LUMB
4$16,305$1,266.39$15,227$544.58+$1.1K → LUMB
5$19,445$1,999.14$16,885$593.02+$2.6K → LUMB
6$24,051$3,244.29$18,713$645.34+$5.3K → LUMB
7$31,195$5,460.23$20,724$701.81+$10.5K → LUMB
8$43,015$9,636.92$22,938$762.73+$20.1K → LUMB
9$64,109$18,082.46$25,372$828.41+$38.7K → LUMB
10$105,268$36,671.64$28,047$899.19+$77.2K → LUMB

LUMB vs SPHD: 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 →

SPHD — ETF

SPHD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SPHD shares.

Full SPHD Calculator →
📬

Get this LUMB vs SPHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

LUMB vs SCHDLUMB vs JEPILUMB vs OLUMB vs KOLUMB vs MAIN

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