Is STBK or RYLD a better dividend investment in 2026?

STBK currently yields 16.53% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: STBK offers higher current income.

What is the dividend yield difference between STBK and RYLD?

STBK has a forward dividend yield of 16.53% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 4.39 percentage points.

Home › Compare › STBK vs RYLD

STBK vs RYLD: Dividend Comparison 2026

STBK yields 16.53% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 STBK wins by $14.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

STBK

● Live price

16.53%

Share price

$12.10

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$58.9K

Annual income

$4,563.82

Full STBK calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — STBK vs RYLD

📍 STBK pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	STBK	RYLD
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%.

📅

Dividend Calendar Overlap

Combined, STBK + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

STBK pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

STBK

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

$1,404.96/yr

After 10yr DRIP, annual income (after tax)

$3,879.25/yr

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, STBK beats the other by $1,680.00/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of STBK + RYLD for your $10,000?

STBK: 50%RYLD: 50%

100% RYLD50/50100% STBK

Portfolio after 10yr

$51.7K

Annual income

$3,575.58/yr

Blended yield

6.92%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

STBK buys

RYLD buys

No recent congressional trades found for STBK or RYLD in the last 90 days.

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

MetricSTBKRYLD

Forward yield	16.53% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$58.9K ✓	$44.5K
Annual income after 10y	$4,563.82 ✓	$2,587.35
Total dividends collected	$30.2K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: STBK vs RYLD ($10,000, DRIP)

Year	STBK Portfolio	STBK Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,353	$1,652.89	$11,914	$1,213.65	+$439.00 → STBK
2	$15,126	$1,908.22	$14,099	$1,351.30	+$1.0K → STBK
3	$18,368	$2,183.72	$16,580	$1,494.55	+$1.8K → STBK
4	$22,132	$2,478.35	$19,384	$1,642.61	+$2.7K → STBK
5	$26,473	$2,790.87	$22,535	$1,794.70	+$3.9K → STBK
6	$31,445	$3,119.77	$26,063	$1,950.00	+$5.4K → STBK
7	$37,110	$3,463.38	$29,995	$2,107.69	+$7.1K → STBK
8	$43,528	$3,819.88	$34,361	$2,266.99	+$9.2K → STBK
9	$50,762	$4,187.35	$39,194	$2,427.12	+$11.6K → STBK
10	$58,879	$4,563.82	$44,525	$2,587.35	+$14.4K → STBK

STBK vs RYLD: Complete Analysis 2026

STBK — Stock

Studio Financial Holdings, Inc. operates as the holding company for Studio Bank that provides various financial services in the United States. It offers commercial banking services, including commercial checking, and commercial savings and money market accounts; interest on lawyers trust accounts; cash concentration, remote capture, preauthorized automated clearing house debits and filtering, wire transfers, zero balance and automated sweep, account reporting and reconciliation, and positive pay services; term and bridge loans, revolving lines of credit, land development loans, construction and development lines of credit, and other commercial loans; and commercial credit cards. The company also provides personal banking services comprising personal checking and personal savings accounts; mortgages and other personal loan accounts; and personal credit cards. In addition, it offers tech and startup banking services; and mortgage and home loan options, as well as home equity lines of credit and home equity installment loans. The company operates through its offices in Davidson County, Tennessee; and a loan production office in Williamson County, Tennessee. Studio Financial Holdings, Inc. was founded in 2017 and is based in Nashville, Tennessee.

Full STBK Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD Calculator →

📬

Get this STBK vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

STBK vs SCHD STBK vs JEPI STBK vs O STBK vs KO STBK vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.