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SCBS vs SPHD: Dividend Comparison 2026

SCBS yields 0.83% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCBS wins by $2.47M in total portfolio value· pulled ahead in Year 4
10 years
SCBS
SCBS
● Live price
0.83%
Share price
$34.00
Annual div
$0.28
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$2.49M
Annual income
$2,024,767.77
Full SCBS calculator →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — SCBS vs SPHD

📍 SCBS pulled ahead of the other in Year 4

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 PeriodSCBSSPHD
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, SCBS + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SCBS pays
SPHD pays
Both pay
Neither
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Tax Bracket Optimizer

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

SCBS
Annual income on $10K today (after 15% tax)
$70.35/yr
After 10yr DRIP, annual income (after tax)
$1,721,052.60/yr
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, SCBS beats the other by $1,720,566.98/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SCBS + SPHD for your $10,000?

SCBS: 50%SPHD: 50%
100% SPHD50/50100% SCBS
Portfolio after 10yr
$1.26M
Annual income
$1,012,669.55/yr
Blended yield
80.33%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCBS buys
0
SPHD buys
0
No recent congressional trades found for SCBS or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCBSSPHD
Forward yield0.83%4.33%
Annual dividend / share$0.28$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$2.49M$26.5K
Annual income after 10y$2,024,767.77$571.32
Total dividends collected$2.43M$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: SCBS vs SPHD ($10,000, DRIP)

YearSCBS PortfolioSCBS Income/yrSPHD PortfolioSPHD Income/yrGap
1$10,866$165.53$11,133$432.85$267.00SPHD
2$11,962$336.18$12,363$450.36$401.00SPHD
3$13,491$691.80$13,695$467.39$204.00SPHD
4← crossover$15,894$1,458.39$15,138$483.90+$756.00SCBS
5$20,218$3,211.44$16,697$499.88+$3.5KSCBS
6$29,269$7,635.73$18,382$515.31+$10.9KSCBS
7$51,980$20,661.64$20,198$530.17+$31.8KSCBS
8$124,204$68,585.65$22,157$544.46+$102.0KSCBS
9$439,222$306,323.69$24,266$558.18+$415.0KSCBS
10$2,494,735$2,024,767.77$26,536$571.32+$2.47MSCBS

SCBS vs SPHD: Complete Analysis 2026

SCBSStock

Southern Community Bancshares, Inc. operates as the bank holding company for First Community Bank that provides various banking products and services in northern Alabama. It accepts checking, saving, money market, individual retirement accounts, certificates of deposit, Christmas club, and kids club savings accounts. Its loan products include consumer, business, purchase, home improvement, refinance, construction, conventional, FHA, VA, and USDA loans. The company also provides Visa debit cards, and online and mobile banking services. Southern Community Bancshares, Inc. was founded in 1905 and is based in Cullman, Alabama.

Full SCBS Calculator →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.