HomeComparePNBI vs DIVO

PNBI vs DIVO: Dividend Comparison 2026

PNBI yields 3.21% · DIVO yields 6.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DIVO wins by $10.5K in total portfolio value
10 years
PNBI
PNBI
● Live price
3.21%
Share price
$33.98
Annual div
$1.09
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.2K
Annual income
$0.32
Full PNBI calculator →
DIVO
DIVO
● Live price
6.49%
Share price
$44.85
Annual div
$2.91
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.7K
Annual income
$981.68
Full DIVO calculator →

Portfolio growth — PNBI vs DIVO

📍 DIVO pulled ahead of the other in Year 1

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 PeriodPNBIDIVO
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%.
📅

Dividend Calendar Overlap

Combined, PNBI + DIVO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PNBI pays
DIVO pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

PNBI
Annual income on $10K today (after 15% tax)
$272.66/yr
After 10yr DRIP, annual income (after tax)
$0.27/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, DIVO beats the other by $834.16/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PNBI: 50%DIVO: 50%
100% DIVO50/50100% PNBI
Portfolio after 10yr
$25.5K
Annual income
$491.00/yr
Blended yield
1.93%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PNBI buys
0
DIVO buys
0
No recent congressional trades found for PNBI or DIVO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPNBIDIVO
Forward yield3.21%6.49%
Annual dividend / share$1.09$2.91
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%0%
Portfolio after 10y$20.2K$30.7K
Annual income after 10y$0.32$981.68
Total dividends collected$324.00$8.2K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearPNBI PortfolioPNBI Income/yrDIVO PortfolioDIVO Income/yrGap
1← crossover$10,860$160.39$11,349$649.42$489.00DIVO
2$11,702$81.40$12,833$688.83$1.1KDIVO
3$12,562$40.98$14,459$727.90$1.9KDIVO
4$13,462$20.56$16,238$766.49$2.8KDIVO
5$14,415$10.30$18,179$804.47$3.8KDIVO
6$15,429$5.15$20,293$841.71$4.9KDIVO
7$16,511$2.58$22,591$878.14$6.1KDIVO
8$17,669$1.29$25,087$913.65$7.4KDIVO
9$18,906$0.64$27,791$948.18$8.9KDIVO
10$20,230$0.32$30,718$981.68$10.5KDIVO

PNBI vs DIVO: Complete Analysis 2026

PNBIStock

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services to individual consumers, small to medium size businesses, and professional community in Virginia. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise personal installment and single-pay, and auto loans; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction, as well as home mortgage and home equity loans. The company also provides credit and debit cards, safe deposit boxes, online and mobile banking, remote deposit capture, and cash management services. In addition, it offers investment products, such as individual retirement accounts, 529 college savings plans, small business investment strategies, fixed and variable annuities, and personalized investment advisory services, as well as securities and insurance products and services. It operates branch offices in Shenandoah, Luray, Harrisonburg, Stanardsville, Ruckersville, and Charlottesville. The company was founded in 1909 and is headquartered in Stanley, Virginia.

Full PNBI Calculator →

DIVOETF

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 →
📬

Get this PNBI vs DIVO comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

PNBI vs SCHDPNBI vs JEPIPNBI vs OPNBI vs KOPNBI vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.