Is PBKC or DIVO a better dividend investment in 2026?

PBKC currently yields 1.67% with a 5% 5-year dividend growth rate. DIVO yields 6.49% with 5% growth. The better choice depends on your goal: DIVO offers higher current income.

What is the dividend yield difference between PBKC and DIVO?

PBKC has a forward dividend yield of 1.67% ($1.30/share annually). DIVO yields 6.49% ($2.91/share annually). The yield gap is 4.82 percentage points.

Home › Compare › PBKC vs DIVO

PBKC vs DIVO: Dividend Comparison 2026

PBKC yields 1.67% · DIVO yields 6.49%● Live data

vsPost on X →

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

🏆 PBKC wins by $29.90M in total portfolio value· pulled ahead in Year 3

INVESTMENT

TIME HORIZON10 years

PBKC

● Live price

1.67%

Share price

$78.01

Annual div

$1.30

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.93M

Annual income

$26,836,732.63

Full PBKC calculator →

DIVO

● Live price

6.49%

Share price

$44.85

Annual div

$2.91

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$30.7K

Annual income

$981.68

Full DIVO calculator →

Portfolio growth — PBKC vs DIVO

📍 PBKC pulled ahead of the other in Year 3

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	PBKC	DIVO
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, PBKC + DIVO cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PBKC pays

DIVO pays

Both pay

Neither

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Tax Bracket Optimizer

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

PBKC

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

$141.65/yr

After 10yr DRIP, annual income (after tax)

$22,811,222.74/yr

DIVO

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

$552.00/yr

After 10yr DRIP, annual income (after tax)

$834.43/yr

At 15% tax rate, PBKC beats the other by $22,810,388.31/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PBKC + DIVO for your $10,000?

PBKC: 50%DIVO: 50%

100% DIVO50/50100% PBKC

Portfolio after 10yr

$14.98M

Annual income

$13,418,857.15/yr

Blended yield

89.58%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PBKC buys

DIVO buys

No recent congressional trades found for PBKC or DIVO in the last 90 days.

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

MetricPBKCDIVO

Forward yield	1.67%	6.49% ✓
Annual dividend / share	$1.30	$2.91 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$29.93M	$30.7K ✓
Annual income after 10y	$26,836,732.63 ✓	$981.68
Total dividends collected	$29.67M ✓	$8.2K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: PBKC vs DIVO ($10,000, DRIP)

Year	PBKC Portfolio	PBKC Income/yr	DIVO Portfolio	DIVO Income/yr	Gap
1	$11,033	$333.29	$11,349	$649.42	$316.00 → DIVO
2	$12,493	$687.34	$12,833	$688.83	$340.00 → DIVO
3← crossover	$14,822	$1,454.73	$14,459	$727.90	+$363.00 → PBKC
4	$19,086	$3,226.07	$16,238	$766.49	+$2.8K → PBKC
5	$28,186	$7,764.60	$18,179	$804.47	+$10.0K → PBKC
6	$51,593	$21,433.56	$20,293	$841.71	+$31.3K → PBKC
7	$128,536	$73,331.65	$22,591	$878.14	+$105.9K → PBKC
8	$479,019	$341,485.34	$25,087	$913.65	+$453.9K → PBKC
9	$2,891,283	$2,378,732.62	$27,791	$948.18	+$2.86M → PBKC
10	$29,930,405	$26,836,732.63	$30,718	$981.68	+$29.90M → PBKC

PBKC vs DIVO: Complete Analysis 2026

PBKC — Stock

Pioneer Bankcorp, Inc. operates as the bank holding company for First Bank that provides banking products and services. The company offers checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; and home mortgage loans, home equity lines of credit, auto loans, term loans, commercial real estate loans, equipment loans, and agriculture loans, as well as credit cards. It also provides account services, including digital banking, debit cards, and identity theft protection; and merchant card, remote deposit capture, automated clearing house, and sweep services, as well as financial planning and the sale of brokerage service products. Pioneer Bankcorp, Inc. was founded in 1922 and is based in Clewiston, Florida.

Full PBKC Calculator →

DIVO — ETF

DIVO is an ETF of high-quality large cap companies with a history of dividend and earnings growth, along with a tactical covered call* strategy on individual stocks. DIVO is strategically designed to offer high levels of total return on a risk-adjusted basis.

Full DIVO 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.