Is PBCO or XYLD a better dividend investment in 2026?

PBCO currently yields 1.36% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between PBCO and XYLD?

PBCO has a forward dividend yield of 1.36% ($0.25/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 9.62 percentage points.

Home › Compare › PBCO vs XYLD

PBCO vs XYLD: Dividend Comparison 2026

PBCO yields 1.36% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $3.6K in total portfolio value· pulled ahead in Year 2

INVESTMENT

TIME HORIZON10 years

PBCO

● Live price

1.36%

Share price

$18.39

Annual div

$0.25

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.6K

Annual income

$148.47

Full PBCO calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — PBCO vs XYLD

📍 XYLD pulled ahead of the other in Year 2

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 Period	PBCO	XYLD
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, PBCO + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PBCO pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

PBCO

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

$115.55/yr

After 10yr DRIP, annual income (after tax)

$126.20/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,609.97/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

PBCO: 50%XYLD: 50%

100% XYLD50/50100% PBCO

Portfolio after 10yr

$23.5K

Annual income

$1,683.74/yr

Blended yield

7.18%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PBCO buys

XYLD buys

No recent congressional trades found for PBCO or XYLD in the last 90 days.

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

MetricPBCOXYLD

Forward yield	1.36%	10.98% ✓
Annual dividend / share	$0.25	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$21.6K	$25.3K ✓
Annual income after 10y	$148.47	$3,219.02 ✓
Total dividends collected	$1.4K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	PBCO Portfolio	PBCO Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,836	$135.94	$10,818	$1,098.39	+$18.00 → PBCO
2← crossover	$11,732	$137.67	$11,738	$1,222.51	$6.00 → XYLD
3	$12,693	$139.31	$12,774	$1,364.64	$81.00 → XYLD
4	$13,722	$140.85	$13,944	$1,527.86	$222.00 → XYLD
5	$14,825	$142.31	$15,270	$1,715.87	$445.00 → XYLD
6	$16,006	$143.69	$16,775	$1,933.09	$769.00 → XYLD
7	$17,272	$144.99	$18,490	$2,184.87	$1.2K → XYLD
8	$18,627	$146.22	$20,450	$2,477.63	$1.8K → XYLD
9	$20,078	$147.38	$22,697	$2,819.19	$2.6K → XYLD
10	$21,632	$148.47	$25,280	$3,219.02	$3.6K → XYLD

PBCO vs XYLD: Complete Analysis 2026

PBCO — Stock

PBCO Financial Corporation operates as a bank holding company for People's Bank of Commerce that provides commercial banking services for businesses and individuals in Southern Oregon. The company offers checking and savings accounts. It also provides home loans; home equity lines of credit; consumer loans and credit lines; home lot and construction, auto, recreational vehicle, boat, and personal loans; personal lines of credit; commercial loans and lines of credit; and small business - SBA/government loans. In addition, the company offers treasury management and ebanking services; PPP loan forgiveness services; and debit cards. It has branches in Albany, Medford, Ashland, Central Point, Grants Pass, Klamath Falls, Lebanon, and Salem. The company was founded in 1998 and is based in Medford, Oregon.

Full PBCO 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.