Is LYBC or RYLD a better dividend investment in 2026?

LYBC currently yields 3.34% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between LYBC and RYLD?

LYBC has a forward dividend yield of 3.34% ($1.72/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 8.80 percentage points.

Home › Compare › LYBC vs RYLD

LYBC vs RYLD: Dividend Comparison 2026

LYBC yields 3.34% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 LYBC wins by $46.8K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

LYBC

● Live price

3.34%

Share price

$51.50

Annual div

$1.72

5Y div CAGR

37.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$91.4K

Annual income

$26,845.25

Full LYBC calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — LYBC vs RYLD

📍 LYBC 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 Period	LYBC	RYLD
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, LYBC + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

LYBC 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.

LYBC

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

$283.88/yr

After 10yr DRIP, annual income (after tax)

$22,818.46/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, LYBC beats the other by $20,619.21/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 LYBC + RYLD for your $10,000?

LYBC: 50%RYLD: 50%

100% RYLD50/50100% LYBC

Portfolio after 10yr

$67.9K

Annual income

$14,716.29/yr

Blended yield

21.66%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

LYBC buys

RYLD buys

No recent congressional trades found for LYBC or RYLD in the last 90 days.

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

MetricLYBCRYLD

Forward yield	3.34%	12.14% ✓
Annual dividend / share	$1.72	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	37.7% ✓	0%
Portfolio after 10y	$91.4K ✓	$44.5K
Annual income after 10y	$26,845.25 ✓	$2,587.35
Total dividends collected	$64.2K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	LYBC Portfolio	LYBC Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,160	$459.89	$11,914	$1,213.65	$754.00 → RYLD
2	$12,602	$660.49	$14,099	$1,351.30	$1.5K → RYLD
3	$14,443	$959.80	$16,580	$1,494.55	$2.1K → RYLD
4	$16,870	$1,415.72	$19,384	$1,642.61	$2.5K → RYLD
5	$20,179	$2,128.03	$22,535	$1,794.70	$2.4K → RYLD
6	$24,867	$3,275.74	$26,063	$1,950.00	$1.2K → RYLD
7← crossover	$31,803	$5,195.03	$29,995	$2,107.69	+$1.8K → LYBC
8	$42,580	$8,550.22	$34,361	$2,266.99	+$8.2K → LYBC
9	$60,292	$14,731.90	$39,194	$2,427.12	+$21.1K → LYBC
10	$91,358	$26,845.25	$44,525	$2,587.35	+$46.8K → LYBC

LYBC vs RYLD: Complete Analysis 2026

LYBC — Stock

Lyons Bancorp Inc., a financial holding company, provides a range of commercial and retail banking services to individual and small business customers. It offers checking accounts, savings accounts, individual retirement accounts, and certificates of deposit. The company also provides loans comprising commercial real estate, agricultural real estate, commercial and agricultural, and consumer installment loans; and residential real estate loans that include classes for 1-4 family and home equity loans, as well as consumer loans, which comprise recreational, auto, personal, personal line of credit, and home improvement loans. In addition, it offers financial services, including retirement strategy, investment management, education savings, life insurance, long-term care insurance, and employer and employee benefit services. Further, the company provides mortgage, online and mobile banking, telephone banking, credit and debit card, online cash management, merchant, safe deposit boxes, wire transfer, traveler program, online bill pay, e-statements, money orders, and official checks services. It operates 16 branches located in Wayne, Onondaga, Yates, Ontario, Monroe, Seneca, and Cayuga counties, New York. The company was founded in 1852 and is headquartered in Lyons, New York.

Full LYBC 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.