HomeCompareSBNC vs QYLD

SBNC vs QYLD: Dividend Comparison 2026

SBNC yields 0.21% · QYLD yields 11.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 QYLD wins by $5.5K in total portfolio value· pulled ahead in Year 7
10 years
SBNC
SBNC
● Live price
0.21%
Share price
$11,850.00
Annual div
$25.00
5Y div CAGR
-4.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.9K
Annual income
$13.32
Full SBNC calculator →
QYLD
Global X Nasdaq 100 Covered Call ETF
● Live price
11.92%
Share price
$17.15
Annual div
$2.04
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.4K
Annual income
$5,659.31
Full QYLD calculator →

Portfolio growth — SBNC vs QYLD

📍 QYLD pulled ahead of the other in Year 7

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 PeriodSBNCQYLD
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, SBNC + QYLD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SBNC
Annual income on $10K today (after 15% tax)
$17.93/yr
After 10yr DRIP, annual income (after tax)
$11.32/yr
QYLD
Annual income on $10K today (after 15% tax)
$1,013.51/yr
After 10yr DRIP, annual income (after tax)
$4,810.41/yr
At 15% tax rate, QYLD beats the other by $4,799.09/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SBNC + QYLD for your $10,000?

SBNC: 50%QYLD: 50%
100% QYLD50/50100% SBNC
Portfolio after 10yr
$22.7K
Annual income
$2,836.32/yr
Blended yield
12.52%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SBNC buys
0
QYLD buys
0
No recent congressional trades found for SBNC or QYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSBNCQYLD
Forward yield0.21%11.92%
Annual dividend / share$25.00$2.04
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-4.6%0%
Portfolio after 10y$19.9K$25.4K
Annual income after 10y$13.32$5,659.31
Total dividends collected$165.00$27.1K
Payment frequencyquarterlymonthly
SectorStockETF

Year-by-year: SBNC vs QYLD ($10,000, DRIP)

YearSBNC PortfolioSBNC Income/yrQYLD PortfolioQYLD Income/yrGap
1$10,720$20.13$10,352$1,192.36+$368.00SBNC
2$11,490$19.24$10,830$1,347.57+$660.00SBNC
3$12,312$18.38$11,460$1,539.07+$852.00SBNC
4$13,192$17.56$12,275$1,777.84+$917.00SBNC
5$14,132$16.78$13,323$2,078.95+$809.00SBNC
6$15,137$16.03$14,667$2,463.34+$470.00SBNC
7← crossover$16,212$15.30$16,396$2,960.57$184.00QYLD
8$17,362$14.61$18,631$3,612.97$1.3KQYLD
9$18,591$13.95$21,548$4,482.15$3.0KQYLD
10$19,906$13.32$25,398$5,659.31$5.5KQYLD

SBNC vs QYLD: Complete Analysis 2026

SBNCStock

Southern BancShares (N.C.), Inc., through its subsidiary Southern Bank and Trust Company, provides commercial banking services to consumers and businesses in North Carolina and Virginia. It provides checking, savings, money market, and individual retirement accounts, as well as certificates of deposit; personal loans, which include cash reserve, vehicle leasing, home equity line, credit card, and automotive loan products; mortgage loans; and business loans, such as business leasing, reserve plus, merchant accounts, and business credit cards, as well as construction, commercial, and agriculture loan products. The company also offers treasury, online and mobile banking services, night deposit services, cashier's checks, investment and brokerage services, ATM/Visa check cards, cell phone protection services, wire transfers, and safe deposit boxes. It operates through a network of approximately 60 offices in North Carolina and Virginia. Southern BancShares (N.C.), Inc. was founded in 1901 and is headquartered in Mount Olive, North Carolina.

Full SBNC Calculator →

QYLDETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.