Is PTBS or XYLD a better dividend investment in 2026?

PTBS currently yields 2.63% with a 5% 5-year dividend growth rate. XYLD yields 9.02% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between PTBS and XYLD?

PTBS has a forward dividend yield of 2.63% ($0.52/share annually). XYLD yields 9.02% ($3.48/share annually). The yield gap is 6.39 percentage points.

Home › Compare › PTBS vs XYLD

PTBS vs XYLD: Dividend Comparison 2026

PTBS yields 2.63% · XYLD yields 9.02%● Live data

vsPost on X →

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

🏆 PTBS wins by $10.83M 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 →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

9.02%

Share price

$38.60

Annual div

$3.48

5Y div CAGR

0.5%

Payout ratio

90%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.1K

Annual income

$2,363.75

Full XYLD calculator →

Portfolio growth — PTBS vs XYLD

📍 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	XYLD
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 + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PTBS pays

XYLD pays

Both pay

Neither

💰

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

XYLD

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

$766.32/yr

After 10yr DRIP, annual income (after tax)

$2,009.19/yr

At 15% tax rate, PTBS beats the other by $7,769,257.83/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 + XYLD for your $10,000?

PTBS: 50%XYLD: 50%

100% XYLD50/50100% PTBS

Portfolio after 10yr

$5.43M

Annual income

$4,572,515.42/yr

Blended yield

84.15%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PTBS buys

XYLD buys

No recent congressional trades found for PTBS or XYLD in the last 90 days.

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

MetricPTBSXYLD

Forward yield	2.63%	9.02% ✓
Annual dividend / share	$0.52	$3.48 ✓
Payout ratio	50% ✓	90%
1-year div growth	0% ✓	-2.1%
5-year div CAGR	82.1% ✓	0.5%
Portfolio after 10y	$10.85M	$21.1K ✓
Annual income after 10y	$9,142,667.08 ✓	$2,363.75
Total dividends collected	$10.68M	$15.0K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	PTBS Portfolio	PTBS Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,179	$479.45	$10,626	$906.06	+$553.00 → PTBS
2	$12,874	$912.21	$11,324	$995.47	+$1.6K → PTBS
3	$15,563	$1,787.80	$12,104	$1,096.88	+$3.5K → PTBS
4	$20,331	$3,678.10	$12,977	$1,212.21	+$7.4K → PTBS
5	$29,931	$8,177.19	$13,958	$1,343.80	+$16.0K → PTBS
6	$52,514	$20,488.00	$15,061	$1,494.40	+$37.5K → PTBS
7	$117,366	$61,175.93	$16,307	$1,667.30	+$101.1K → PTBS
8	$358,269	$232,687.15	$17,717	$1,866.48	+$340.6K → PTBS
9	$1,592,176	$1,208,828.66	$19,317	$2,096.71	+$1.57M → PTBS
10	$10,846,296	$9,142,667.08	$21,140	$2,363.75	+$10.83M → PTBS

PTBS vs XYLD: 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 →

XYLD — ETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

Full XYLD 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.