Is SEBNF or VYM a better dividend investment in 2026?

SEBNF currently yields 4.18% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: SEBNF offers higher current income.

What is the dividend yield difference between SEBNF and VYM?

SEBNF has a forward dividend yield of 4.18% ($0.07/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 1.77 percentage points.

Home › Compare › SEBNF vs VYM

SEBNF vs VYM: Dividend Comparison 2026

SEBNF yields 4.18% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $3.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SEBNF

● Live price

4.18%

Share price

$1.78

Annual div

$0.07

5Y div CAGR

-4.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.9K

Annual income

$335.69

Full SEBNF calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.41%

Share price

$145.48

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$278.55

Full VYM calculator →

Portfolio growth — SEBNF vs VYM

📍 VYM pulled ahead of the other in Year 1

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 Period	SEBNF	VYM
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, SEBNF + VYM cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

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Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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SEBNF 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.

SEBNF

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

$354.96/yr

After 10yr DRIP, annual income (after tax)

$285.34/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, SEBNF beats the other by $48.57/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 SEBNF + VYM for your $10,000?

SEBNF: 50%VYM: 50%

100% VYM50/50100% SEBNF

Portfolio after 10yr

$26.4K

Annual income

$307.11/yr

Blended yield

1.17%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SEBNF buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02

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

MetricSEBNFVYM

Forward yield	4.18% ✓	2.41%
Annual dividend / share	$0.07	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-4.3%	0% ✓
Portfolio after 10y	$24.9K	$27.8K ✓
Annual income after 10y	$335.69 ✓	$278.55
Total dividends collected	$3.7K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	SEBNF Portfolio	SEBNF Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$11,100	$399.64	$11,151	$241.44	$51.00 → VYM
2	$12,273	$396.74	$12,413	$246.79	$140.00 → VYM
3	$13,525	$392.37	$13,794	$251.79	$269.00 → VYM
4	$14,858	$386.71	$15,306	$256.47	$448.00 → VYM
5	$16,278	$379.97	$16,960	$260.84	$682.00 → VYM
6	$17,790	$372.33	$18,768	$264.92	$978.00 → VYM
7	$19,399	$363.93	$20,745	$268.71	$1.3K → VYM
8	$21,112	$354.94	$22,905	$272.24	$1.8K → VYM
9	$22,936	$345.49	$25,265	$275.51	$2.3K → VYM
10	$24,877	$335.69	$27,842	$278.55	$3.0K → VYM

SEBNF vs VYM: Complete Analysis 2026

SEBNF — Stock

Seven Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan and internationally. It accepts accounts, and ordinary and time deposits; and offers personal loans, as well as debit and credit card, debit, debt, money transfer, Internet banking, ATM, and other services. The company also provides back-office support services for financial institutions; and security services. The company was incorporated in 2001 and is headquartered in Tokyo, Japan.

Full SEBNF Calculator →

VYM — ETF

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.