HomeCompareSOMC vs VIG

SOMC vs VIG: Dividend Comparison 2026

SOMC yields 2.51% · VIG yields 1.64%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SOMC wins by $27.1K in total portfolio value· pulled ahead in Year 5
10 years
SOMC
SOMC
● Live price
2.51%
Share price
$25.50
Annual div
$0.64
5Y div CAGR
36.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$59.5K
Annual income
$13,089.10
Full SOMC calculator →
VIG
Vanguard Dividend Appreciation ETF
● Live price
1.64%
Share price
$210.70
Annual div
$3.45
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.4K
Annual income
$179.15
Full VIG calculator →

Portfolio growth — SOMC vs VIG

📍 SOMC pulled ahead of the other in Year 5

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 PeriodSOMCVIG
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, SOMC + VIG cover 0 of 12 monthsgood coverage

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

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

SOMC
Annual income on $10K today (after 15% tax)
$213.33/yr
After 10yr DRIP, annual income (after tax)
$11,125.74/yr
VIG
Annual income on $10K today (after 15% tax)
$139.33/yr
After 10yr DRIP, annual income (after tax)
$152.28/yr
At 15% tax rate, SOMC beats the other by $10,973.46/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SOMC + VIG for your $10,000?

SOMC: 50%VIG: 50%
100% VIG50/50100% SOMC
Portfolio after 10yr
$45.9K
Annual income
$6,634.13/yr
Blended yield
14.45%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SOMC buys
0
VIG buys
0
No recent congressional trades found for SOMC or VIG in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSOMCVIG
Forward yield2.51%1.64%
Annual dividend / share$0.64$3.45
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR36.3%0%
Portfolio after 10y$59.5K$32.4K
Annual income after 10y$13,089.10$179.15
Total dividends collected$35.0K$1.7K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: SOMC vs VIG ($10,000, DRIP)

YearSOMC PortfolioSOMC Income/yrVIG PortfolioVIG Income/yrGap
1$11,042$342.09$11,304$163.92$262.00VIG
2$12,296$481.17$12,759$166.33$463.00VIG
3$13,839$682.54$14,382$168.52$543.00VIG
4$15,787$978.57$16,192$170.52$405.00VIG
5← crossover$18,314$1,421.93$18,210$172.34+$104.00SOMC
6$21,697$2,101.24$20,460$173.98+$1.2KSOMC
7$26,387$3,171.09$22,968$175.48+$3.4KSOMC
8$33,147$4,912.57$25,763$176.83+$7.4KSOMC
9$43,328$7,860.87$28,878$178.05+$14.4KSOMC
10$59,450$13,089.10$32,350$179.15+$27.1KSOMC

SOMC vs VIG: Complete Analysis 2026

SOMCStock

Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank & Trust that provides a range of commercial banking services to individuals, businesses, institutions, and governmental agencies primarily in the southwest Michigan communities. Its deposit products include interest and non-interest checking, savings, and various types of money market accounts; time, savings, and demand deposits; and certificates of deposit and IRAs. The company also provides home mortgages and equity loans, home equity line of credit, and auto/personal loans; business loans, such as lines of credit, term loans, commercial real estate loans, commercial and industrial loans, agriculture loans, letters of credit, small business administration loans, and capital access loans; industrial, construction, real estate, and inventory loans; and consumer lending products comprising direct and indirect loans to purchasers of residential real property and consumer goods. In addition, it offers trust and investment services that include investment management, trustee, IRA rollovers and retirement plan, institutional and personal custody, estate settlement, wealth management, estate and wealth transfer planning assistance, charitable gift planning assistance, and cash management custody services; and safe deposit box and automated teller machine services. Further, the company provides online and mobile banking, bill pay, e-statements, health savings account, ACH, wire transfer, remote deposit capture, insurance, and merchant services, as well as ATM, debit, credit, and gift cards. As of March 23, 2022, it operated 13 branches within Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties. The company was founded in 1871 and is based in Coldwater, Michigan.

Full SOMC Calculator →

VIGETF

Seeks to track the performance of the S&P U.S. Dividend Growers Index.Passively managed, full-replication approach.Fund remains fully invested.Large-cap equity, emphasizing stocks with a record of growing their dividends year over year.Low expenses minimize net tracking error.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.

Full VIG 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.