Is LUMB or XYLD a better dividend investment in 2026?

LUMB currently yields 2.46% 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 LUMB and XYLD?

LUMB has a forward dividend yield of 2.46% ($0.35/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 8.52 percentage points.

Home › Compare › LUMB vs XYLD

LUMB vs XYLD: Dividend Comparison 2026

LUMB yields 2.46% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 LUMB wins by $80.0K in total portfolio value

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 →

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 — LUMB vs XYLD

📍 LUMB 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	LUMB	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, LUMB + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

LUMB 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.

LUMB

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

$208.77/yr

After 10yr DRIP, annual income (after tax)

$31,170.89/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, LUMB beats the other by $28,434.73/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

LUMB: 50%XYLD: 50%

100% XYLD50/50100% LUMB

Portfolio after 10yr

$65.3K

Annual income

$19,945.33/yr

Blended yield

30.56%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LUMB buys

XYLD buys

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

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

MetricLUMBXYLD

Forward yield	2.46%	10.98% ✓
Annual dividend / share	$0.35	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	45.6% ✓	0%
Portfolio after 10y	$105.3K ✓	$25.3K
Annual income after 10y	$36,671.64 ✓	$3,219.02
Total dividends collected	$78.1K ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	LUMB Portfolio	LUMB Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,058	$357.61	$10,818	$1,098.39	+$240.00 → LUMB
2	$12,370	$538.09	$11,738	$1,222.51	+$632.00 → LUMB
3	$14,055	$819.09	$12,774	$1,364.64	+$1.3K → LUMB
4	$16,305	$1,266.39	$13,944	$1,527.86	+$2.4K → LUMB
5	$19,445	$1,999.14	$15,270	$1,715.87	+$4.2K → LUMB
6	$24,051	$3,244.29	$16,775	$1,933.09	+$7.3K → LUMB
7	$31,195	$5,460.23	$18,490	$2,184.87	+$12.7K → LUMB
8	$43,015	$9,636.92	$20,450	$2,477.63	+$22.6K → LUMB
9	$64,109	$18,082.46	$22,697	$2,819.19	+$41.4K → LUMB
10	$105,268	$36,671.64	$25,280	$3,219.02	+$80.0K → LUMB

LUMB vs XYLD: 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 →

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.