HomeCompareSCZC vs SPHD

SCZC vs SPHD: Dividend Comparison 2026

SCZC yields 0.94% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCZC wins by $3.72M in total portfolio value· pulled ahead in Year 4
10 years
SCZC
SCZC
● Live price
0.94%
Share price
$41.44
Annual div
$0.39
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$3.74M
Annual income
$3,107,431.86
Full SCZC 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 — SCZC vs SPHD

📍 SCZC 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 PeriodSCZCSPHD
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, SCZC + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SCZC 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.

SCZC
Annual income on $10K today (after 15% tax)
$80.00/yr
After 10yr DRIP, annual income (after tax)
$2,641,317.08/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, SCZC beats the other by $2,640,831.46/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCZC: 50%SPHD: 50%
100% SPHD50/50100% SCZC
Portfolio after 10yr
$1.88M
Annual income
$1,554,001.59/yr
Blended yield
82.48%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCZC buys
0
SPHD buys
0
No recent congressional trades found for SCZC or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCZCSPHD
Forward yield0.94%4.33%
Annual dividend / share$0.39$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%0%
Portfolio after 10y$3.74M$26.5K
Annual income after 10y$3,107,431.86$571.32
Total dividends collected$3.67M$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSCZC PortfolioSCZC Income/yrSPHD PortfolioSPHD Income/yrGap
1$10,888$188.24$11,133$432.85$245.00SPHD
2$12,034$383.11$12,363$450.36$329.00SPHD
3$13,667$791.42$13,695$467.39$28.00SPHD
4← crossover$16,304$1,680.13$15,138$483.90+$1.2KSCZC
5$21,192$3,746.32$16,697$499.88+$4.5KSCZC
6$31,777$9,101.65$18,382$515.31+$13.4KSCZC
7$59,511$25,509.97$20,198$530.17+$39.3KSCZC
8$152,975$89,298.48$22,157$544.46+$130.8KSCZC
9$592,739$429,055.47$24,266$558.18+$568.5KSCZC
10$3,741,663$3,107,431.86$26,536$571.32+$3.72MSCZC

SCZC vs SPHD: Complete Analysis 2026

SCZCStock

Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses. The company's deposit products include checking, savings, term certificate, money market, and health savings accounts; and IRAs and certificate of deposits. It also offers lending products comprising commercial, multi-family, agricultural, construction, wine industry, venture banking, small business administration, business and industry, farm services agency, municipal, government guarantee, and installment loans, as well as loans supported by single-family residential real estate, commercial real estate financing, and lines of credit. In addition, the company provides debit and credit cards, merchant, online and mobile banking, remote electronic deposit, bill payment, treasury management, and cash management services. It operates through seven full-service offices located in Aptos, Capitola, Cupertino, Monterey, Santa Cruz, Scotts Valley, and Watsonville; and two ATMs and night depository kiosks. Santa Cruz County Bank was incorporated in 2003 and is based in Santa Cruz, California.

Full SCZC 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.