HomeCompareNRLB vs SPHD

NRLB vs SPHD: Dividend Comparison 2026

NRLB yields 5000.00% · SPHD yields 4.30%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 NRLB wins by $566.56M in total portfolio value
10 years
NRLB
NRLB
● Live price
5000.00%
Share price
$0.04
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$566.59M
Annual income
$13,723,006.45
Full NRLB calculator →
SPHD
SPHD
● Live price
4.30%
Share price
$49.61
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$567.37
Full SPHD calculator →

Portfolio growth — NRLB vs SPHD

📍 NRLB 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 PeriodNRLBSPHD
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, NRLB + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
NRLB pays
SPHD pays
Both pay
Neither
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Tax Bracket Optimizer

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

NRLB
Annual income on $10K today (after 15% tax)
$425,000.00/yr
After 10yr DRIP, annual income (after tax)
$11,664,555.48/yr
SPHD
Annual income on $10K today (after 15% tax)
$365.92/yr
After 10yr DRIP, annual income (after tax)
$482.26/yr
At 15% tax rate, NRLB beats the other by $11,664,073.22/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of NRLB + SPHD for your $10,000?

NRLB: 50%SPHD: 50%
100% SPHD50/50100% NRLB
Portfolio after 10yr
$283.31M
Annual income
$6,861,786.90/yr
Blended yield
2.42%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NRLB buys
0
SPHD buys
0
No recent congressional trades found for NRLB or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNRLBSPHD
Forward yield5000.00%4.30%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%0%
Portfolio after 10y$566.59M$26.5K
Annual income after 10y$13,723,006.45$567.37
Total dividends collected$431.41M$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: NRLB vs SPHD ($10,000, DRIP)

YearNRLB PortfolioNRLB Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$260,700$250,000.00$11,130$430.50+$249.6KNRLB
2$3,324,510$3,045,560.75$12,357$447.82+$3.31MNRLB
3$21,705,698$18,148,472.29$13,687$464.65+$21.69MNRLB
4$78,594,831$55,369,734.26$15,126$480.98+$78.58MNRLB
5$177,783,375$93,686,906.45$16,682$496.78+$177.77MNRLB
6$289,257,188$99,028,976.26$18,362$512.03+$289.24MNRLB
7$384,795,925$75,290,733.55$20,174$526.72+$384.78MNRLB
8$458,534,679$46,803,039.60$22,127$540.84+$458.51MNRLB
9$516,693,763$26,061,656.05$24,230$554.39+$516.67MNRLB
10$566,585,332$13,723,006.45$26,493$567.37+$566.56MNRLB

NRLB vs SPHD: Complete Analysis 2026

NRLBStock

Northern California Bancorp, Inc. operates as the bank holding company for Monterey County Bank that provides various banking products and services in California. Its deposit products include checking and savings accounts, certificates of deposit, and individual retirement accounts. The company offers small business administration and commercial loans; merchant services; credit and debit cards; and internet banking services. Northern California Bancorp, Inc. was founded in 1977 and is based in Monterey, California.

Full NRLB Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.