HomeComparePONT vs SPHD

PONT vs SPHD: Dividend Comparison 2026

PONT yields 1.66% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PONT wins by $29.17M in total portfolio value· pulled ahead in Year 2
10 years
PONT
PONT
● Live price
1.66%
Share price
$800.00
Annual div
$13.25
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.20M
Annual income
$26,162,147.01
Full PONT calculator →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — PONT vs SPHD

📍 PONT pulled ahead of the other in Year 2

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 PeriodPONTSPHD
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, PONT + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PONT 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.

PONT
Annual income on $10K today (after 15% tax)
$140.78/yr
After 10yr DRIP, annual income (after tax)
$22,237,824.96/yr
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, PONT beats the other by $22,237,339.34/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PONT + SPHD for your $10,000?

PONT: 50%SPHD: 50%
100% SPHD50/50100% PONT
Portfolio after 10yr
$14.61M
Annual income
$13,081,359.17/yr
Blended yield
89.53%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PONT buys
0
SPHD buys
0
No recent congressional trades found for PONT or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPONTSPHD
Forward yield1.66%4.33%
Annual dividend / share$13.25$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$29.20M$26.5K
Annual income after 10y$26,162,147.01$571.32
Total dividends collected$28.94M$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearPONT PortfolioPONT Income/yrSPHD PortfolioSPHD Income/yrGap
1$11,031$331.25$11,133$432.85$102.00SPHD
2← crossover$12,486$683.01$12,363$450.36+$123.00PONT
3$14,806$1,445.06$13,695$467.39+$1.1KPONT
4$19,045$3,202.72$15,138$483.90+$3.9KPONT
5$28,078$7,700.42$16,697$499.88+$11.4KPONT
6$51,264$21,220.55$18,382$515.31+$32.9KPONT
7$127,271$72,418.21$20,198$530.17+$107.1KPONT
8$472,234$336,053.71$22,157$544.46+$450.1KPONT
9$2,835,969$2,330,679.38$24,266$558.18+$2.81MPONT
10$29,196,634$26,162,147.01$26,536$571.32+$29.17MPONT

PONT vs SPHD: Complete Analysis 2026

PONTStock

Pontiac Bancorp, Inc. provides various financial services to individuals and businesses in Livingston county, Grundy county, Tazewell County, McLean County, and their surrounding communities. The company accepts various deposit products, such as checking, savings, and money market accounts; and certificates of deposit. It also offers online banking and bill pay, mobile banking, debit/ATM card, personal credit cards, telebank, and convenient services; deposit rates, and personal solutions. It also provides business money market, loans, commercial loan, and business solutions. In addition, the company offers consumer loan, loan insurance, and payment protection plans, as well as agriculture, equipment, livestock, agriculture real estate, and guaranteed loans; crop insurance, and trust services. The company was founded in 1947 and is based in Pontiac, Illinois.

Full PONT Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

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.