HomeComparePWOD vs SCHD

PWOD vs SCHD: Dividend Comparison 2026

PWOD yields 4.27% · SCHD yields 3.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $1.9K in total portfolio value
10 years
PWOD
PWOD
● Live price
4.27%
Share price
$30.00
Annual div
$1.28
5Y div CAGR
1.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.0K
Annual income
$663.60
Full PWOD calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.68
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.61
Full SCHD calculator →

Portfolio growth — PWOD vs SCHD

📍 SCHD 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 PeriodPWODSCHD
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, PWOD + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PWOD
Annual income on $10K today (after 15% tax)
$362.67/yr
After 10yr DRIP, annual income (after tax)
$564.06/yr
SCHD
Annual income on $10K today (after 15% tax)
$292.49/yr
After 10yr DRIP, annual income (after tax)
$359.22/yr
At 15% tax rate, PWOD beats the other by $204.84/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PWOD + SCHD for your $10,000?

PWOD: 50%SCHD: 50%
100% SCHD50/50100% PWOD
Portfolio after 10yr
$28.0K
Annual income
$543.10/yr
Blended yield
1.94%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PWOD buys
0
SCHD buys
0
No recent congressional trades found for PWOD or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPWODSCHD
Forward yield4.27%3.44%
Annual dividend / share$1.28$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR1.5%0%
Portfolio after 10y$27.0K$29.0K
Annual income after 10y$663.60$422.61
Total dividends collected$5.5K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: PWOD vs SCHD ($10,000, DRIP)

YearPWOD PortfolioPWOD Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,133$433.07$11,224$344.10$91.00SCHD
2$12,370$457.35$12,567$354.98$197.00SCHD
3$13,718$482.04$14,038$365.30$320.00SCHD
4$15,185$507.09$15,648$375.06$463.00SCHD
5$16,780$532.47$17,410$384.27$630.00SCHD
6$18,513$558.17$19,335$392.95$822.00SCHD
7$20,393$584.16$21,437$401.10$1.0KSCHD
8$22,431$610.40$23,733$408.75$1.3KSCHD
9$24,638$636.89$26,237$415.91$1.6KSCHD
10$27,027$663.60$28,968$422.61$1.9KSCHD

PWOD vs SCHD: Complete Analysis 2026

PWODStock

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of twenty-seven offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania.

Full PWOD Calculator →

SCHDETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.