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SBNCN vs DVY: Dividend Comparison 2026

SBNCN yields 7.50% · DVY yields 3.46%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SBNCN wins by $4.7K in total portfolio value
10 years
SBNCN
SBNCN
● Live price
7.50%
Share price
$12.00
Annual div
$0.90
5Y div CAGR
-4.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.7K
Annual income
$690.32
Full SBNCN calculator →
DVY
DVY
● Live price
3.46%
Share price
$151.41
Annual div
$5.25
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.0K
Annual income
$432.91
Full DVY calculator →

Portfolio growth — SBNCN vs DVY

📍 SBNCN pulled ahead of the other in Year 1

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 PeriodSBNCNDVY
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, SBNCN + DVY cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SBNCN
Annual income on $10K today (after 15% tax)
$637.50/yr
After 10yr DRIP, annual income (after tax)
$586.77/yr
DVY
Annual income on $10K today (after 15% tax)
$294.47/yr
After 10yr DRIP, annual income (after tax)
$367.97/yr
At 15% tax rate, SBNCN beats the other by $218.80/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SBNCN + DVY for your $10,000?

SBNCN: 50%DVY: 50%
100% DVY50/50100% SBNCN
Portfolio after 10yr
$27.4K
Annual income
$561.61/yr
Blended yield
2.05%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SBNCN buys
0
DVY buys
0
No recent congressional trades found for SBNCN or DVY in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSBNCNDVY
Forward yield7.50% ✓3.46%
Annual dividend / share$0.90$5.25 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-4.6%0% ✓
Portfolio after 10y$29.7K ✓$25.0K
Annual income after 10y$690.32 ✓$432.91
Total dividends collected$7.2K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: SBNCN vs DVY ($10,000, DRIP)

YearSBNCN PortfolioSBNCN Income/yrDVY PortfolioDVY Income/yrGap
1← crossover$11,416$715.50$11,046$346.43+$370.00 → SBNCN
2$12,943$728.23$12,177$357.65+$766.00 → SBNCN
3$14,585$736.15$13,398$368.47+$1.2K → SBNCN
4$16,346$739.62$14,715$378.89+$1.6K → SBNCN
5$18,229$739.04$16,134$388.90+$2.1K → SBNCN
6$20,240$734.83$17,662$398.51+$2.6K → SBNCN
7$22,384$727.44$19,306$407.71+$3.1K → SBNCN
8$24,668$717.29$21,074$416.50+$3.6K → SBNCN
9$27,100$704.79$22,974$424.90+$4.1K → SBNCN
10$29,687$690.32$25,015$432.91+$4.7K → SBNCN

SBNCN vs DVY: Complete Analysis 2026

SBNCN — 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 SBNCN Calculator →

DVY — ETF

The iShares Select Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full DVY 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.