Is MFNC or VYM a better dividend investment in 2026?

MFNC currently yields 51.61% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: MFNC offers higher current income.

What is the dividend yield difference between MFNC and VYM?

MFNC has a forward dividend yield of 51.61% ($11.10/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 49.20 percentage points.

Home › Compare › MFNC vs VYM

MFNC vs VYM: Dividend Comparison 2026

MFNC yields 51.61% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 MFNC wins by $1952145.49M in total portfolio value

INVESTMENT

TIME HORIZON10 years

MFNC

● Live price

51.61%

Share price

$21.50

Annual div

$11.10

5Y div CAGR

60%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$1952145.52M

Annual income

$1,886,736,100,143.17

Full MFNC calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.41%

Share price

$145.48

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$278.55

Full VYM calculator →

Portfolio growth — MFNC vs VYM

📍 MFNC 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	MFNC	VYM
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, MFNC + VYM cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

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Oct

—

Nov

—

Dec

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MFNC pays

VYM pays

Both pay

Neither

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Tax Bracket Optimizer

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

MFNC

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

$4,386.60/yr

After 10yr DRIP, annual income (after tax)

$1,603,725,685,121.69/yr

VYM

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

$205.23/yr

After 10yr DRIP, annual income (after tax)

$236.77/yr

At 15% tax rate, MFNC beats the other by $1,603,725,684,884.93/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 MFNC + VYM for your $10,000?

MFNC: 50%VYM: 50%

100% VYM50/50100% MFNC

Portfolio after 10yr

$976072.77M

Annual income

$943,368,050,210.86/yr

Blended yield

96.65%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MFNC buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02

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

MetricMFNCVYM

Forward yield	51.61% ✓	2.41%
Annual dividend / share	$11.10 ✓	$3.51
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	60% ✓	0%
Portfolio after 10y	$1952145.52M ✓	$27.8K
Annual income after 10y	$1,886,736,100,143.17 ✓	$278.55
Total dividends collected	$1947654.53M ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: MFNC vs VYM ($10,000, DRIP)

Year	MFNC Portfolio	MFNC Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$18,957	$8,257.12	$11,151	$241.44	+$7.8K → MFNC
2	$43,691	$23,406.55	$12,413	$246.79	+$31.3K → MFNC
3	$127,415	$80,665.89	$13,794	$251.79	+$113.6K → MFNC
4	$488,103	$351,769.09	$15,306	$256.47	+$472.8K → MFNC
5	$2,537,317	$2,015,046.78	$16,960	$260.84	+$2.52M → MFNC
6	$18,378,276	$15,663,346.43	$18,768	$264.92	+$18.36M → MFNC
7	$189,313,552	$169,648,796.61	$20,745	$268.71	+$189.29M → MFNC
8	$2,815,713,033	$2,613,147,532.71	$22,905	$272.24	+$2815.69M → MFNC
9	$61,130,299,352	$58,117,486,407.20	$25,265	$275.51	+$61130.27M → MFNC
10	$1,952,145,520,450	$1,886,736,100,143.17	$27,842	$278.55	+$1952145.49M → MFNC

MFNC vs VYM: Complete Analysis 2026

MFNC — Stock

Mackinac Financial Corp. is a bank holding company, which engages in the provision of commercial banking services through its subsidiary, mBank. The company is headquartered in Manistique, Michigan and currently employs 294 full-time employees. The Company, through the Bank, is engaged in the general commercial banking business. The Bank provides a range of loan and deposit products. These banking services include customary retail and commercial banking services, including checking and savings accounts, time deposits, interest bearing transaction accounts, safe deposit facilities, real estate mortgage lending, commercial lending, commercial and governmental lease financing, and direct and indirect consumer financing. The funds for the Bank's operation are also provided by brokered deposits and through borrowings from the Federal Home Loan Bank (FHLB) system, proceeds from the sale of loans and mortgage-backed and other securities, funds from repayment of outstanding loans and earnings from operations. The Bank has over 13 branch offices located in the Upper Peninsula of Michigan and four branch offices located in Michigan's Lower Peninsula.

Full MFNC Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.