Is SCZC or XYLD a better dividend investment in 2026?

SCZC currently yields 0.94% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between SCZC and XYLD?

SCZC has a forward dividend yield of 0.94% ($0.39/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 10.04 percentage points.

Home › Compare › SCZC vs XYLD

SCZC vs XYLD: Dividend Comparison 2026

SCZC yields 0.94% · XYLD yields 10.98%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 SCZC wins by $3.72M in total portfolio value

INVESTMENT

TIME HORIZON10 years

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 →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — SCZC vs XYLD

📍 SCZC 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 Period	SCZC	XYLD
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, SCZC + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SCZC pays

XYLD pays

Both pay

Neither

💰

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

XYLD

Annual income on $10K today (after 15% tax)

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, SCZC beats the other by $2,638,580.91/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

SCZC: 50%XYLD: 50%

100% XYLD50/50100% SCZC

Portfolio after 10yr

$1.88M

Annual income

$1,555,325.44/yr

Blended yield

82.58%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SCZC buys

XYLD buys

No recent congressional trades found for SCZC or XYLD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricSCZCXYLD

Forward yield	0.94%	10.98% ✓
Annual dividend / share	$0.39	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$3.74M	$25.3K ✓
Annual income after 10y	$3,107,431.86 ✓	$3,219.02
Total dividends collected	$3.67M	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SCZC Portfolio	SCZC Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$10,888	$188.24	$10,818	$1,098.39	+$70.00 → SCZC
2	$12,034	$383.11	$11,738	$1,222.51	+$296.00 → SCZC
3	$13,667	$791.42	$12,774	$1,364.64	+$893.00 → SCZC
4	$16,304	$1,680.13	$13,944	$1,527.86	+$2.4K → SCZC
5	$21,192	$3,746.32	$15,270	$1,715.87	+$5.9K → SCZC
6	$31,777	$9,101.65	$16,775	$1,933.09	+$15.0K → SCZC
7	$59,511	$25,509.97	$18,490	$2,184.87	+$41.0K → SCZC
8	$152,975	$89,298.48	$20,450	$2,477.63	+$132.5K → SCZC
9	$592,739	$429,055.47	$22,697	$2,819.19	+$570.0K → SCZC
10	$3,741,663	$3,107,431.86	$25,280	$3,219.02	+$3.72M → SCZC

SCZC vs XYLD: Complete Analysis 2026

SCZC — Stock

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 →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD Calculator →

📬

Get this SCZC vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SCZC vs SCHD SCZC vs JEPI SCZC vs O SCZC vs KO SCZC vs MAIN SCZC vs QYLD SCZC vs JEPQ SCZC vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.