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NCBS vs XYLD: Dividend Comparison 2026

NCBS yields 2.65% · XYLD yields 11.20%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XYLD wins by $2.2K in total portfolio value· pulled ahead in Year 7
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 →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
11.20%
Share price
$38.36
Annual div
$4.30
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.9K
Annual income
$3,351.03
Full XYLD calculator →

Portfolio growth — NCBS vs XYLD

📍 XYLD 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 PeriodNCBSXYLD
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 + XYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
NCBS pays
XYLD 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
XYLD
Annual income on $10K today (after 15% tax)
$952.37/yr
After 10yr DRIP, annual income (after tax)
$2,848.38/yr
At 15% tax rate, XYLD beats the other by $2,580.63/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NCBS: 50%XYLD: 50%
100% XYLD50/50100% NCBS
Portfolio after 10yr
$24.8K
Annual income
$1,833.01/yr
Blended yield
7.40%
📊

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
XYLD
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
XYLD buys
0
No recent congressional trades found for NCBS or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNCBSXYLD
Forward yield2.65%11.20% ✓
Annual dividend / share$2.00$4.30 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$23.7K$25.9K ✓
Annual income after 10y$315.00$3,351.03 ✓
Total dividends collected$2.9K$20.2K ✓
Payment frequencyquarterlymonthly
SectorStockETF

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

YearNCBS PortfolioNCBS Income/yrXYLD PortfolioXYLD Income/yrGap
1$10,965$265.43$10,840$1,120.44+$125.00 → NCBS
2$12,005$272.01$11,786$1,249.59+$219.00 → NCBS
3$13,124$278.32$12,854$1,397.78+$270.00 → NCBS
4$14,327$284.35$14,063$1,568.33+$264.00 → NCBS
5$15,620$290.11$15,434$1,765.19+$186.00 → NCBS
6$17,009$295.60$16,995$1,993.14+$14.00 → NCBS
7← crossover$18,500$300.82$18,777$2,257.95$277.00 → XYLD
8$20,101$305.80$20,818$2,566.58$717.00 → XYLD
9$21,818$310.52$23,163$2,927.50$1.3K → XYLD
10$23,661$315.00$25,865$3,351.03$2.2K → XYLD

NCBS vs XYLD: 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 →

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.