Is PBNK or QYLD a better dividend investment in 2026?

PBNK currently yields 12.31% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: PBNK offers higher current income.

What is the dividend yield difference between PBNK and QYLD?

PBNK has a forward dividend yield of 12.31% ($2.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 0.39 percentage points.

Home › Compare › PBNK vs QYLD

PBNK vs QYLD: Dividend Comparison 2026

PBNK yields 12.31% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 PBNK wins by $19.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

PBNK

● Live price

12.31%

Share price

$16.25

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.0K

Annual income

$2,650.82

Full PBNK calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — PBNK vs QYLD

📍 PBNK 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	PBNK	QYLD
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, PBNK + QYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PBNK pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

PBNK

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

$1,046.15/yr

After 10yr DRIP, annual income (after tax)

$2,253.20/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $2,557.22/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 PBNK + QYLD for your $10,000?

PBNK: 50%QYLD: 50%

100% QYLD50/50100% PBNK

Portfolio after 10yr

$35.2K

Annual income

$4,155.07/yr

Blended yield

11.80%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PBNK buys

QYLD buys

No recent congressional trades found for PBNK or QYLD in the last 90 days.

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

MetricPBNKQYLD

Forward yield	12.31% ✓	11.92%
Annual dividend / share	$2.00	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$45.0K ✓	$25.4K
Annual income after 10y	$2,650.82	$5,659.31 ✓
Total dividends collected	$19.2K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: PBNK vs QYLD ($10,000, DRIP)

Year	PBNK Portfolio	PBNK Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$11,931	$1,230.77	$10,352	$1,192.36	+$1.6K → PBNK
2	$14,138	$1,372.34	$10,830	$1,347.57	+$3.3K → PBNK
3	$16,648	$1,519.87	$11,460	$1,539.07	+$5.2K → PBNK
4	$19,486	$1,672.56	$12,275	$1,777.84	+$7.2K → PBNK
5	$22,679	$1,829.61	$13,323	$2,078.95	+$9.4K → PBNK
6	$26,257	$1,990.16	$14,667	$2,463.34	+$11.6K → PBNK
7	$30,248	$2,153.37	$16,396	$2,960.57	+$13.9K → PBNK
8	$34,684	$2,318.42	$18,631	$3,612.97	+$16.1K → PBNK
9	$39,597	$2,484.50	$21,548	$4,482.15	+$18.0K → PBNK
10	$45,019	$2,650.82	$25,398	$5,659.31	+$19.6K → PBNK

PBNK vs QYLD: Complete Analysis 2026

PBNK — Stock

Pinnacle Bank, a commercial bank, provides various depository and credit services in Santa Clara, San Benito, and Monterey counties. The company offers checking, savings, money market, sweep, and individual retirement accounts, as well as certificates of deposit and certificates of deposit account registry services. It also provides home equity lines of credit and single family home construction loans; and loans and lines of credit, letters of credit, commercial real estate, and government assisted loans, as well as credit cards. In addition, the company offers automated teller machine cards/debit cards, debit card protection products, and safe deposit boxes; cash management products, such as online and mobile banking, online bill payment, mobile check deposit, automated clearing house (ACH) origination, remote deposit capture, night depository box, positive pay, ACH fraud filter, merchant card processing, wire transfer, and foreign currency services; and asset based lending covering accounts receivable financing, factoring, and purchase order financing services. It serves individual and business customers, as well as nonprofit organizations in Morgan Hill, Gilroy, Salinas, and Campbell. Pinnacle Bank was founded in 2005 and is headquartered in Gilroy, California.

Full PBNK Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.