Is SMMF or XYLD a better dividend investment in 2026?

SMMF currently yields 3.42% 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 SMMF and XYLD?

SMMF has a forward dividend yield of 3.42% ($0.88/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 7.56 percentage points.

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SMMF vs XYLD: Dividend Comparison 2026

SMMF yields 3.42% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 SMMF wins by $4.85M in total portfolio value

INVESTMENT

TIME HORIZON10 years

SMMF

● Live price

3.42%

Share price

$25.70

Annual div

$0.88

5Y div CAGR

70.9%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$4.87M

Annual income

$3,834,032.16

Full SMMF 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 — SMMF vs XYLD

📍 SMMF 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	SMMF	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%.

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Dividend Calendar Overlap

Combined, SMMF + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SMMF pays

XYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

SMMF

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

$291.05/yr

After 10yr DRIP, annual income (after tax)

$3,258,927.34/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, SMMF beats the other by $3,256,191.17/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 SMMF + XYLD for your $10,000?

SMMF: 50%XYLD: 50%

100% XYLD50/50100% SMMF

Portfolio after 10yr

$2.45M

Annual income

$1,918,625.59/yr

Blended yield

78.38%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on SMMF right now

SMMF

Analyst Ratings

Buy

Hold

Consensus: Buy

Altman Z

0.1

Piotroski

5/9

XYLD

No analyst data

Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SMMF buys

XYLD buys

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

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

MetricSMMFXYLD

Forward yield	3.42%	10.98% ✓
Annual dividend / share	$0.88	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	70.9% ✓	0%
Portfolio after 10y	$4.87M	$25.3K ✓
Annual income after 10y	$3,834,032.16 ✓	$3,219.02
Total dividends collected	$4.76M	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	SMMF Portfolio	SMMF Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$11,285	$585.18	$10,818	$1,098.39	+$467.00 → SMMF
2	$13,130	$1,054.77	$11,738	$1,222.51	+$1.4K → SMMF
3	$16,009	$1,960.06	$12,774	$1,364.64	+$3.2K → SMMF
4	$20,947	$3,817.09	$13,944	$1,527.86	+$7.0K → SMMF
5	$30,390	$7,977.05	$15,270	$1,715.87	+$15.1K → SMMF
6	$51,002	$18,484.84	$16,775	$1,933.09	+$34.2K → SMMF
7	$104,121	$49,548.55	$18,490	$2,184.87	+$85.6K → SMMF
8	$272,971	$161,561.50	$20,450	$2,477.63	+$252.5K → SMMF
9	$968,589	$676,510.17	$22,697	$2,819.19	+$945.9K → SMMF
10	$4,870,422	$3,834,032.16	$25,280	$3,219.02	+$4.85M → SMMF

SMMF vs XYLD: Complete Analysis 2026

SMMF — Stock

Summit Financial Group, Inc. operates as a financial holding company for Summit Community Bank, Inc. that provides community banking and other financial services to individuals and businesses primarily in the Eastern Panhandle, Southern and North Central regions of West Virginia and the Northern, Shenandoah Valley, and Southwestern regions of Virginia, and the Central region of Kentucky. The company's community banking services include demand, savings, and time deposits; commercial, commercial real estate, construction and land development, residential real estate, and consumer loans; and mortgage warehouse lines of credit, as well as trust and wealth management, cash management, and insurance services. As of December 31, 2021, it operated through 45 banking offices. The company was incorporated in 1987 and is headquartered in Moorefield, West Virginia.

Full SMMF 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 →

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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.