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SBNCM vs DIVO: Dividend Comparison 2026

SBNCM yields 7.03% · DIVO yields 6.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 DIVO wins by $1.8K in total portfolio value· pulled ahead in Year 3
10 years
SBNCM
SBNCM
● Live price
7.03%
Share price
$12.80
Annual div
$0.90
5Y div CAGR
-4.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.9K
Annual income
$632.00
Full SBNCM calculator →
DIVO
DIVO
● Live price
6.49%
Share price
$44.85
Annual div
$2.91
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.7K
Annual income
$981.68
Full DIVO calculator →

Portfolio growth — SBNCM vs DIVO

📍 DIVO pulled ahead of the other in Year 3

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodSBNCMDIVO
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%.
📅

Dividend Calendar Overlap

Combined, SBNCM + DIVO cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
SBNCM pays
DIVO pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

SBNCM
Annual income on $10K today (after 15% tax)
$597.66/yr
After 10yr DRIP, annual income (after tax)
$537.20/yr
DIVO
Annual income on $10K today (after 15% tax)
$552.00/yr
After 10yr DRIP, annual income (after tax)
$834.43/yr
At 15% tax rate, DIVO beats the other by $297.23/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SBNCM + DIVO for your $10,000?

SBNCM: 50%DIVO: 50%
100% DIVO50/50100% SBNCM
Portfolio after 10yr
$29.8K
Annual income
$806.84/yr
Blended yield
2.70%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SBNCM buys
0
DIVO buys
0
No recent congressional trades found for SBNCM or DIVO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSBNCMDIVO
Forward yield7.03% ✓6.49%
Annual dividend / share$0.90$2.91 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-4.6%0% ✓
Portfolio after 10y$28.9K$30.7K ✓
Annual income after 10y$632.00$981.68 ✓
Total dividends collected$6.7K$8.2K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: SBNCM vs DIVO ($10,000, DRIP)

YearSBNCM PortfolioSBNCM Income/yrDIVO PortfolioDIVO Income/yrGap
1$11,371$670.78$11,349$649.42+$22.00 → SBNCM
2$12,847$680.04$12,833$688.83+$14.00 → SBNCM
3← crossover$14,431$685.02$14,459$727.90$28.00 → DIVO
4$16,127$686.08$16,238$766.49$111.00 → DIVO
5$17,940$683.60$18,179$804.47$239.00 → DIVO
6$19,874$677.99$20,293$841.71$419.00 → DIVO
7$21,934$669.65$22,591$878.14$657.00 → DIVO
8$24,129$658.96$25,087$913.65$958.00 → DIVO
9$26,464$646.30$27,791$948.18$1.3K → DIVO
10$28,949$632.00$30,718$981.68$1.8K → DIVO

SBNCM vs DIVO: Complete Analysis 2026

SBNCM — Stock

Southern Bancshares NC Inc is a bank holding company that provides financial and banking services. The services include personal banking, business banking, and mortgage banking services including checking, savings, loans, and mortgage services.

Full SBNCM Calculator →

DIVO — ETF

DIVO is an ETF of high-quality large cap companies with a history of dividend and earnings growth, along with a tactical covered call* strategy on individual stocks. DIVO is strategically designed to offer high levels of total return on a risk-adjusted basis.

Full DIVO 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.