Is PTBS or VYM a better dividend investment in 2026?

PTBS currently yields 2.63% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: PTBS offers higher current income.

What is the dividend yield difference between PTBS and VYM?

PTBS has a forward dividend yield of 2.63% ($0.52/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 0.22 percentage points.

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PTBS vs VYM: Dividend Comparison 2026

PTBS yields 2.63% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 PTBS wins by $10.82M in total portfolio value

INVESTMENT

TIME HORIZON10 years

PTBS

● Live price

2.63%

Share price

$19.75

Annual div

$0.52

5Y div CAGR

82.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$10.85M

Annual income

$9,142,667.08

Full PTBS calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.41%

Share price

$145.48

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$278.55

Full VYM calculator →

Portfolio growth — PTBS vs VYM

📍 PTBS 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	PTBS	VYM
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, PTBS + VYM 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

—

PTBS pays

VYM pays

Both pay

Neither

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Tax Bracket Optimizer

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

PTBS

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

$223.80/yr

After 10yr DRIP, annual income (after tax)

$7,771,267.02/yr

VYM

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

$205.23/yr

After 10yr DRIP, annual income (after tax)

$236.77/yr

At 15% tax rate, PTBS beats the other by $7,771,030.25/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 PTBS + VYM for your $10,000?

PTBS: 50%VYM: 50%

100% VYM50/50100% PTBS

Portfolio after 10yr

$5.44M

Annual income

$4,571,472.81/yr

Blended yield

84.08%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PTBS buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02

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

MetricPTBSVYM

Forward yield	2.63% ✓	2.41%
Annual dividend / share	$0.52	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	82.1% ✓	0%
Portfolio after 10y	$10.85M	$27.8K ✓
Annual income after 10y	$9,142,667.08 ✓	$278.55
Total dividends collected	$10.68M ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: PTBS vs VYM ($10,000, DRIP)

Year	PTBS Portfolio	PTBS Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,179	$479.45	$11,151	$241.44	+$28.00 → PTBS
2	$12,874	$912.21	$12,413	$246.79	+$461.00 → PTBS
3	$15,563	$1,787.80	$13,794	$251.79	+$1.8K → PTBS
4	$20,331	$3,678.10	$15,306	$256.47	+$5.0K → PTBS
5	$29,931	$8,177.19	$16,960	$260.84	+$13.0K → PTBS
6	$52,514	$20,488.00	$18,768	$264.92	+$33.7K → PTBS
7	$117,366	$61,175.93	$20,745	$268.71	+$96.6K → PTBS
8	$358,269	$232,687.15	$22,905	$272.24	+$335.4K → PTBS
9	$1,592,176	$1,208,828.66	$25,265	$275.51	+$1.57M → PTBS
10	$10,846,296	$9,142,667.08	$27,842	$278.55	+$10.82M → PTBS

PTBS vs VYM: Complete Analysis 2026

PTBS — Stock

Potomac Bancshares, Inc. operates as the bank holding company for Bank of Charles Town that provides various banking products and services to individuals and businesses. The company offers checking, savings, and individual retirement accounts; and certificates of deposit (CD). It also provides personal loans, including new and used vehicle, home equity, unsecured home improvement and personal, retail equipment, and lot loans, as well as loans secured by CD, and home equity lines of credit; commercial loans for building or office purchases, commercial real estate and construction, and production and administrative equipment purchases; lines of credit; mortgage, term, residential and commercial construction, commercial real estate, and agricultural loans; and credit and debit cards. In addition, the company offers Card Pay, cash management, merchant, financial planning, trust and estate, investment management, wealth management, full-service brokerage, retirement and insurance planning and products, asset allocation and management, and college planning services, as well as telephone, mobile, and online banking services. It operates through nine full-service offices and one loan production office located in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. The company was founded in 1871 and is based in Charles Town, West Virginia.

Full PTBS Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.