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NCBS vs QYLD: Dividend Comparison 2026

NCBS yields 2.65% · QYLD yields 11.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 QYLD wins by $1.7K in total portfolio value· pulled ahead in Year 10
10 years
NCBS
NCBS
● Live price
2.65%
Share price
$75.35
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.7K
Annual income
$315.00
Full NCBS calculator →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
11.92%
Share price
$17.15
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.4K
Annual income
$5,659.31
Full QYLD calculator →

Portfolio growth — NCBS vs QYLD

📍 QYLD pulled ahead of the other in Year 10

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 PeriodNCBSQYLD
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, NCBS + QYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
NCBS pays
QYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

NCBS
Annual income on $10K today (after 15% tax)
$225.61/yr
After 10yr DRIP, annual income (after tax)
$267.75/yr
QYLD
Annual income on $10K today (after 15% tax)
$1,013.51/yr
After 10yr DRIP, annual income (after tax)
$4,810.41/yr
At 15% tax rate, QYLD beats the other by $4,542.66/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of NCBS + QYLD for your $10,000?

NCBS: 50%QYLD: 50%
100% QYLD50/50100% NCBS
Portfolio after 10yr
$24.5K
Annual income
$2,987.16/yr
Blended yield
12.18%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on NCBS right now

NCBS
Analyst Ratings
2
Buy
4
Hold
Consensus: Hold
Altman Z
0.4
Piotroski
6/9
QYLD
No analyst data
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NCBS buys
0
QYLD buys
0
No recent congressional trades found for NCBS or QYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNCBSQYLD
Forward yield2.65%11.92% ✓
Annual dividend / share$2.00$2.04 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.7K$25.4K ✓
Annual income after 10y$315.00$5,659.31 ✓
Total dividends collected$2.9K$27.1K ✓
Payment frequencyquarterlymonthly
SectorStockETF

Year-by-year: NCBS vs QYLD ($10,000, DRIP)

YearNCBS PortfolioNCBS Income/yrQYLD PortfolioQYLD Income/yrGap
1$10,965$265.43$10,352$1,192.36+$613.00 → NCBS
2$12,005$272.01$10,830$1,347.57+$1.2K → NCBS
3$13,124$278.32$11,460$1,539.07+$1.7K → NCBS
4$14,327$284.35$12,275$1,777.84+$2.1K → NCBS
5$15,620$290.11$13,323$2,078.95+$2.3K → NCBS
6$17,009$295.60$14,667$2,463.34+$2.3K → NCBS
7$18,500$300.82$16,396$2,960.57+$2.1K → NCBS
8$20,101$305.80$18,631$3,612.97+$1.5K → NCBS
9$21,818$310.52$21,548$4,482.15+$270.00 → NCBS
10← crossover$23,661$315.00$25,398$5,659.31$1.7K → QYLD

NCBS vs QYLD: Complete Analysis 2026

NCBS — Stock

Nicolet Bankshares, Inc. operates as the bank holding company for Nicolet National Bank that provides banking products and services for businesses and individuals. The company accepts checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including commercial, industrial, and business loans and lines of credit; commercial real estate loans; agricultural (AG) production and AG real estate loans; commercial real estate investment real estate loans; construction and land development loans; residential real estate loans, such as residential first lien and junior lien mortgages, home equity loans, lines of credit, and residential construction loans; and consumer loans. In addition, the company provides cash management, international banking, personal brokerage, safe deposit boxes, and trust and fiduciary services, as well as wealth management and retirement plan services. Further, it offers mortgage refinancing; online services, such as commercial, retail, and trust online banking; automated bill payment, mobile banking deposits and account access, and remote deposit capture services; and other services consisting of wire transfers, debit cards, credit cards, pre-paid gift cards, direct deposits, and official bank checks, as well as facilitates crop insurance products. As of December 31, 2021, it operated 52 branches throughout Wisconsin and Michigan. The company was formerly known as Green Bay Financial Corporation and changed its name to Nicolet Bankshares, Inc. in March 2002. Nicolet Bankshares, Inc. was incorporated in 2000 and is headquartered in Green Bay, Wisconsin.

Full NCBS Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.