Is MBNKP or XYLD a better dividend investment in 2026?

MBNKP currently yields 8.57% 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 MBNKP and XYLD?

MBNKP has a forward dividend yield of 8.57% ($2.18/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 2.41 percentage points.

Home › Compare › MBNKP vs XYLD

MBNKP vs XYLD: Dividend Comparison 2026

MBNKP yields 8.57% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 MBNKP wins by $10.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

MBNKP

● Live price

8.57%

Share price

$25.43

Annual div

$2.18

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$35.3K

Annual income

$1,472.98

Full MBNKP 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 — MBNKP vs XYLD

📍 MBNKP pulled ahead of the other in Year 1

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	MBNKP	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%.

📅

Dividend Calendar Overlap

Combined, MBNKP + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

MBNKP pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

MBNKP

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

$728.62/yr

After 10yr DRIP, annual income (after tax)

$1,252.03/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, XYLD beats the other by $1,484.13/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

MBNKP: 50%XYLD: 50%

100% XYLD50/50100% MBNKP

Portfolio after 10yr

$30.3K

Annual income

$2,346.00/yr

Blended yield

7.75%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MBNKP buys

XYLD buys

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

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

MetricMBNKPXYLD

Forward yield	8.57%	10.98% ✓
Annual dividend / share	$2.18	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$35.3K ✓	$25.3K
Annual income after 10y	$1,472.98	$3,219.02 ✓
Total dividends collected	$11.7K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	MBNKP Portfolio	MBNKP Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,557	$857.20	$10,818	$1,098.39	+$739.00 → MBNKP
2	$13,292	$925.87	$11,738	$1,222.51	+$1.6K → MBNKP
3	$15,218	$995.19	$12,774	$1,364.64	+$2.4K → MBNKP
4	$17,348	$1,064.83	$13,944	$1,527.86	+$3.4K → MBNKP
5	$19,697	$1,134.46	$15,270	$1,715.87	+$4.4K → MBNKP
6	$22,279	$1,203.80	$16,775	$1,933.09	+$5.5K → MBNKP
7	$25,111	$1,272.56	$18,490	$2,184.87	+$6.6K → MBNKP
8	$28,210	$1,340.49	$20,450	$2,477.63	+$7.8K → MBNKP
9	$31,592	$1,407.36	$22,697	$2,819.19	+$8.9K → MBNKP
10	$35,276	$1,472.98	$25,280	$3,219.02	+$10.0K → MBNKP

MBNKP vs XYLD: Complete Analysis 2026

MBNKP — Stock

Medallion Bank operates as an industrial bank in the United States. The company operates through three segments: Recreation Lending, Home Improvement Lending, and Other. It provides consumer loans to purchase recreational vehicles, boats, and trailers. The company also offers financing for windows, siding, and roof replacement; and swimming pool and other home improvement projects. It offers its products through the network of dealers, contractors, and financial service providers. The company was founded in 2002 and is headquartered in Salt Lake City, Utah. Medallion Bank operates as a subsidiary of Medallion Financial Corp.

Full MBNKP 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 →

📬

Get this MBNKP vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

MBNKP vs SCHD MBNKP vs JEPI MBNKP vs O MBNKP vs KO MBNKP vs MAIN MBNKP vs QYLD MBNKP vs JEPQ MBNKP vs RYLD

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