HomeCompareSEBC vs RYLD

SEBC vs RYLD: Dividend Comparison 2026

SEBC yields 3.05% · RYLD yields 12.14%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SEBC wins by $63.3K in total portfolio value· pulled ahead in Year 7
10 years
SEBC
SEBC
● Live price
3.05%
Share price
$28.55
Annual div
$0.87
5Y div CAGR
41.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$107.8K
Annual income
$36,214.86
Full SEBC calculator →
RYLD
RYLD
● Live price
12.14%
Share price
$14.95
Annual div
$1.81
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$44.5K
Annual income
$2,587.35
Full RYLD calculator →

Portfolio growth — SEBC vs RYLD

📍 SEBC pulled ahead of the other in Year 7

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 PeriodSEBCRYLD
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, SEBC + RYLD cover 0 of 12 monthsgood coverage

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

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

SEBC
Annual income on $10K today (after 15% tax)
$259.02/yr
After 10yr DRIP, annual income (after tax)
$30,782.63/yr
RYLD
Annual income on $10K today (after 15% tax)
$1,031.60/yr
After 10yr DRIP, annual income (after tax)
$2,199.25/yr
At 15% tax rate, SEBC beats the other by $28,583.38/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SEBC + RYLD for your $10,000?

SEBC: 50%RYLD: 50%
100% RYLD50/50100% SEBC
Portfolio after 10yr
$76.2K
Annual income
$19,401.10/yr
Blended yield
25.47%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SEBC buys
0
RYLD buys
0
No recent congressional trades found for SEBC or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSEBCRYLD
Forward yield3.05%12.14%
Annual dividend / share$0.87$1.81
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR41.7%0%
Portfolio after 10y$107.8K$44.5K
Annual income after 10y$36,214.86$2,587.35
Total dividends collected$80.0K$18.8K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: SEBC vs RYLD ($10,000, DRIP)

YearSEBC PortfolioSEBC Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,132$431.80$11,914$1,213.65$782.00RYLD
2$12,548$636.55$14,099$1,351.30$1.6KRYLD
3$14,376$950.20$16,580$1,494.55$2.2KRYLD
4$16,824$1,441.73$19,384$1,642.61$2.6KRYLD
5$20,236$2,234.40$22,535$1,794.70$2.3KRYLD
6$25,212$3,559.13$26,063$1,950.00$851.00RYLD
7← crossover$32,849$5,872.26$29,995$2,107.69+$2.9KSEBC
8$45,281$10,132.29$34,361$2,266.99+$10.9KSEBC
9$66,947$18,496.31$39,194$2,427.12+$27.8KSEBC
10$107,848$36,214.86$44,525$2,587.35+$63.3KSEBC

SEBC vs RYLD: Complete Analysis 2026

SEBCStock

Southeastern Banking Corporation operates as a bank holding company for Southeastern Bank that provides commercial and consumer banking products and services in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit. It also provides home, construction, personal, auto, boat and recreational vehicle, business term, equipment, and small business administration loans; home equity loans and lines, and operating lines of credit; commercial real estate and residential real estate–mortgage loans, as well as other commercial, financial, and agricultural loans; and debit and credit cards. In addition, the company offers business cash management and overdraft protection services, as well as online and mobile banking, bill payment, and e-statement services. It operates through 10 branch locations and ATM networks in southeast Georgia and northeast Florida. The company was founded in 1888 and is headquartered in Darien, Georgia.

Full SEBC Calculator →

RYLDETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD 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.