Is SSBK or QYLD a better dividend investment in 2026?

SSBK currently yields 0.99% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between SSBK and QYLD?

SSBK has a forward dividend yield of 0.99% ($0.36/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 10.93 percentage points.

Home › Compare › SSBK vs QYLD

SSBK vs QYLD: Dividend Comparison 2026

SSBK yields 0.99% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 SSBK wins by $2.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SSBK

● Live price

0.99%

Share price

$36.37

Annual div

$0.36

5Y div CAGR

30.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.4K

Annual income

$1,805.19

Full SSBK calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — SSBK vs QYLD

📍 SSBK 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	SSBK	QYLD
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, SSBK + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SSBK pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

SSBK

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

$84.14/yr

After 10yr DRIP, annual income (after tax)

$1,534.41/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $3,276.00/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 SSBK + QYLD for your $10,000?

SSBK: 50%QYLD: 50%

100% QYLD50/50100% SSBK

Portfolio after 10yr

$26.4K

Annual income

$3,732.26/yr

Blended yield

14.13%

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Analyst Conviction Gap

Where Wall Street is most bullish on SSBK right now

SSBK

Analyst Ratings

Buy

Hold

Consensus: Buy

Altman Z

-0.6

Piotroski

7/9

QYLD

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)

SSBK buys

QYLD buys

No recent congressional trades found for SSBK or QYLD in the last 90 days.

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

MetricSSBKQYLD

Forward yield	0.99%	11.92% ✓
Annual dividend / share	$0.36	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	30.2% ✓	0%
Portfolio after 10y	$27.4K ✓	$25.4K
Annual income after 10y	$1,805.19	$5,659.31 ✓
Total dividends collected	$6.5K	$27.1K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: SSBK vs QYLD ($10,000, DRIP)

Year	SSBK Portfolio	SSBK Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$10,829	$128.88	$10,352	$1,192.36	+$477.00 → SSBK
2	$11,757	$169.82	$10,830	$1,347.57	+$927.00 → SSBK
3	$12,804	$224.34	$11,460	$1,539.07	+$1.3K → SSBK
4	$13,998	$297.30	$12,275	$1,777.84	+$1.7K → SSBK
5	$15,373	$395.49	$13,323	$2,078.95	+$2.0K → SSBK
6	$16,978	$528.52	$14,667	$2,463.34	+$2.3K → SSBK
7	$18,876	$710.25	$16,396	$2,960.57	+$2.5K → SSBK
8	$21,158	$960.89	$18,631	$3,612.97	+$2.5K → SSBK
9	$23,950	$1,310.61	$21,548	$4,482.15	+$2.4K → SSBK
10	$27,432	$1,805.19	$25,398	$5,659.31	+$2.0K → SSBK

SSBK vs QYLD: Complete Analysis 2026

SSBK — Stock

Southern States Bancshares, Inc. operates as the bank holding company for Southern States Bank that provides community banking services to businesses and individuals. It offers various deposit products, such as savings, money market, and noninterest-bearing demand accounts; certificates of deposit; and time deposits. The company also provides real estate loan products, which include loans for real estate construction and development, residential mortgages, and commercial real estate mortgage loans; commercial and industrial loans; and direct consumer installment loans, overdrafts, and other revolving credit loans. In addition, it offers online and mobile banking, and ATM services. The company operates 15 offices in Alabama and Georgia, as well as a loan production office in Atlanta, Georgia. Southern States Bancshares, Inc. was founded in 2007 and is headquartered in Anniston, Alabama.

Full SSBK Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.