HomeCompareSEBC vs VYM

SEBC vs VYM: Dividend Comparison 2026

SEBC yields 3.05% · VYM yields 2.41%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SEBC wins by $80.0K in total portfolio value· pulled ahead in Year 2
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 →
VYM
Vanguard High Dividend Yield ETF
● Live price
2.41%
Share price
$145.48
Annual div
$3.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.8K
Annual income
$278.55
Full VYM calculator →

Portfolio growth — SEBC vs VYM

📍 SEBC pulled ahead of the other in Year 2

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 PeriodSEBCVYM
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 + VYM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SEBC pays
VYM 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
VYM
Annual income on $10K today (after 15% tax)
$205.23/yr
After 10yr DRIP, annual income (after tax)
$236.77/yr
At 15% tax rate, SEBC beats the other by $30,545.86/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

SEBC: 50%VYM: 50%
100% VYM50/50100% SEBC
Portfolio after 10yr
$67.8K
Annual income
$18,246.70/yr
Blended yield
26.89%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SEBC buys
0
VYM buys
1
PoliticianChamberTickerTypeAmountDate
Carol Devine Miller🏢 House$VYM▲ Buy$15,001 - $50,0002022-11-02
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSEBCVYM
Forward yield3.05%2.41%
Annual dividend / share$0.87$3.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR41.7%0%
Portfolio after 10y$107.8K$27.8K
Annual income after 10y$36,214.86$278.55
Total dividends collected$80.0K$2.6K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearSEBC PortfolioSEBC Income/yrVYM PortfolioVYM Income/yrGap
1$11,132$431.80$11,151$241.44$19.00VYM
2← crossover$12,548$636.55$12,413$246.79+$135.00SEBC
3$14,376$950.20$13,794$251.79+$582.00SEBC
4$16,824$1,441.73$15,306$256.47+$1.5KSEBC
5$20,236$2,234.40$16,960$260.84+$3.3KSEBC
6$25,212$3,559.13$18,768$264.92+$6.4KSEBC
7$32,849$5,872.26$20,745$268.71+$12.1KSEBC
8$45,281$10,132.29$22,905$272.24+$22.4KSEBC
9$66,947$18,496.31$25,265$275.51+$41.7KSEBC
10$107,848$36,214.86$27,842$278.55+$80.0KSEBC

SEBC vs VYM: 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 →

VYMETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.