Is PFHD or SPHD a better dividend investment in 2026?

PFHD currently yields 6.98% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: PFHD offers higher current income.

What is the dividend yield difference between PFHD and SPHD?

PFHD has a forward dividend yield of 6.98% ($2.00/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 2.98 percentage points.

Home › Compare › PFHD vs SPHD

PFHD vs SPHD: Dividend Comparison 2026

PFHD yields 6.98% · SPHD yields 4.00%● Live data

vsPost on X →

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

🏆 PFHD wins by $3.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

PFHD

● Live price

6.98%

Share price

$28.65

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.7K

Annual income

$1,087.59

Full PFHD calculator →

SPHD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full SPHD calculator →

Portfolio growth — PFHD vs SPHD

📍 PFHD 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	PFHD	SPHD
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, PFHD + SPHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PFHD 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.

PFHD

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

$593.37/yr

After 10yr DRIP, annual income (after tax)

$924.45/yr

SPHD

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, PFHD beats the other by $160.14/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 PFHD + SPHD for your $10,000?

PFHD: 50%SPHD: 50%

100% SPHD50/50100% PFHD

Portfolio after 10yr

$29.9K

Annual income

$993.39/yr

Blended yield

3.32%

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Analyst Conviction Gap

Where Wall Street is most bullish on PFHD right now

PFHD

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$25.00

-12.7% upside vs current

Range: $25.00 — $25.00

SPHD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PFHD buys

SPHD buys

No recent congressional trades found for PFHD or SPHD in the last 90 days.

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

MetricPFHDSPHD

Forward yield	6.98% ✓	4.00%
Annual dividend / share	$2.00	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$31.7K ✓	$28.0K
Annual income after 10y	$1,087.59 ✓	$899.19
Total dividends collected	$9.0K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	PFHD Portfolio	PFHD Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,398	$698.08	$11,120	$420.00	+$278.00 → PFHD
2	$12,940	$743.62	$12,357	$458.31	+$583.00 → PFHD
3	$14,634	$788.96	$13,721	$499.76	+$913.00 → PFHD
4	$16,493	$833.92	$15,227	$544.58	+$1.3K → PFHD
5	$18,525	$878.33	$16,885	$593.02	+$1.6K → PFHD
6	$20,744	$922.05	$18,713	$645.34	+$2.0K → PFHD
7	$23,161	$964.94	$20,724	$701.81	+$2.4K → PFHD
8	$25,790	$1,006.89	$22,938	$762.73	+$2.9K → PFHD
9	$28,643	$1,047.80	$25,372	$828.41	+$3.3K → PFHD
10	$31,735	$1,087.59	$28,047	$899.19	+$3.7K → PFHD

PFHD vs SPHD: Complete Analysis 2026

PFHD — Stock

Professional Holding Corp. operates primarily through its subsidiary, Professional Bank, provides banking products and services to small and medium sized businesses, other professionals, and entrepreneurs. Its deposit products include checking, NOW, savings, and money market accounts, as well as IRAs and certificates of deposit. The company's lending products comprise commercial loans, residential mortgage loans, home equity lines of credit, installment loans, and consumer lines of credit. It also offers online/digital and mobile banking services, as well as cash management and treasury management services. The company operates through a network of eleven locations in the regional areas of Miami, Broward, and Palm Beach counties, as well as has a digital innovation center located in Cleveland, Ohio and a loan production office in St. Pete, Florida, Jacksonville, and Bedford, New Hampshire. Professional Holding Corp. was founded in 2008 and is headquartered in Coral Gables, Florida.

Full PFHD Calculator →

SPHD — ETF

SPHD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SPHD shares.

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.