Is OPOF or HDV a better dividend investment in 2026?

OPOF currently yields 1.00% with a 5% 5-year dividend growth rate. HDV yields 2.92% with 4.8% growth. The better choice depends on your goal: HDV offers higher current income.

What is the dividend yield difference between OPOF and HDV?

OPOF has a forward dividend yield of 1.00% ($0.42/share annually). HDV yields 2.92% ($3.96/share annually). The yield gap is 1.92 percentage points.

Home › Compare › OPOF vs HDV

OPOF vs HDV: Dividend Comparison 2026

OPOF yields 1.00% · HDV yields 2.92%● Live data

vsPost on X →

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

🏆 HDV wins by $1.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

OPOF

● Live price

1.00%

Share price

$42.10

Annual div

$0.42

5Y div CAGR

16.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.2K

Annual income

$538.11

Full OPOF calculator →

HDV

iShares Core High Dividend ETF

● Live price

2.92%

Share price

$135.72

Annual div

$3.96

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.3K

Annual income

$351.71

Full HDV calculator →

Portfolio growth — OPOF vs HDV

📍 HDV 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	OPOF	HDV
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, OPOF + HDV cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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OPOF pays

HDV pays

Both pay

Neither

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Tax Bracket Optimizer

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

OPOF

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

$84.80/yr

After 10yr DRIP, annual income (after tax)

$457.39/yr

HDV

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

$247.92/yr

After 10yr DRIP, annual income (after tax)

$298.95/yr

At 15% tax rate, OPOF beats the other by $158.44/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 OPOF + HDV for your $10,000?

OPOF: 50%HDV: 50%

100% HDV50/50100% OPOF

Portfolio after 10yr

$23.7K

Annual income

$444.91/yr

Blended yield

1.87%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

OPOF buys

HDV buys

No recent congressional trades found for OPOF or HDV in the last 90 days.

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

MetricOPOFHDV

Forward yield	1.00%	2.92% ✓
Annual dividend / share	$0.42	$3.96 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	16.7% ✓	0%
Portfolio after 10y	$23.2K	$24.3K ✓
Annual income after 10y	$538.11 ✓	$351.71
Total dividends collected	$2.8K	$3.2K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: OPOF vs HDV ($10,000, DRIP)

Year	OPOF Portfolio	OPOF Income/yr	HDV Portfolio	HDV Income/yr	Gap
1← crossover	$10,816	$116.42	$11,002	$291.67	$186.00 → HDV
2	$11,711	$137.34	$12,082	$299.61	$371.00 → HDV
3	$12,693	$162.18	$13,247	$307.23	$554.00 → HDV
4	$13,773	$191.72	$14,503	$314.52	$730.00 → HDV
5	$14,964	$226.89	$15,854	$321.50	$890.00 → HDV
6	$16,280	$268.86	$17,308	$328.15	$1.0K → HDV
7	$17,739	$319.03	$18,871	$334.49	$1.1K → HDV
8	$19,360	$379.12	$20,551	$340.53	$1.2K → HDV
9	$21,166	$451.27	$22,357	$346.27	$1.2K → HDV
10	$23,186	$538.11	$24,296	$351.71	$1.1K → HDV

OPOF vs HDV: Complete Analysis 2026

OPOF — Stock

Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services. In addition, the company offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products and wealth management services. It operates 14 branches in the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County; a loan production office in Richmond, Virginia; and a mortgage loan origination office in Charlotte, North Carolina. The company was founded in 1922 and is headquartered in Hampton, Virginia.

Full OPOF Calculator →

HDV — ETF

The iShares Core High Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full HDV 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.