Is TBNK or QYLD a better dividend investment in 2026?

TBNK currently yields 0.48% 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 TBNK and QYLD?

TBNK has a forward dividend yield of 0.48% ($0.04/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 11.44 percentage points.

Home › Compare › TBNK vs QYLD

TBNK vs QYLD: Dividend Comparison 2026

TBNK yields 0.48% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $5.6K in total portfolio value· pulled ahead in Year 7

INVESTMENT

TIME HORIZON10 years

TBNK

● Live price

0.48%

Share price

$8.33

Annual div

$0.04

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$19.8K

Annual income

$0.05

Full TBNK 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 — TBNK vs QYLD

📍 QYLD pulled ahead of the other in Year 7

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	TBNK	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, TBNK + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TBNK pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

TBNK

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

$40.82/yr

After 10yr DRIP, annual income (after tax)

$0.04/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 $4,810.37/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 TBNK + QYLD for your $10,000?

TBNK: 50%QYLD: 50%

100% QYLD50/50100% TBNK

Portfolio after 10yr

$22.6K

Annual income

$2,829.68/yr

Blended yield

12.53%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on TBNK right now

TBNK

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$8.50

+2.0% upside vs current

Range: $8.50 — $8.50

Altman Z

0.2

Piotroski

3/9

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TBNK buys

QYLD buys

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

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

MetricTBNKQYLD

Forward yield	0.48%	11.92% ✓
Annual dividend / share	$0.04	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	0% ✓
Portfolio after 10y	$19.8K	$25.4K ✓
Annual income after 10y	$0.05	$5,659.31 ✓
Total dividends collected	$48.00 ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	TBNK Portfolio	TBNK Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,724	$24.01	$10,352	$1,192.36	+$372.00 → TBNK
2	$11,487	$12.03	$10,830	$1,347.57	+$657.00 → TBNK
3	$12,297	$6.02	$11,460	$1,539.07	+$837.00 → TBNK
4	$13,161	$3.01	$12,275	$1,777.84	+$886.00 → TBNK
5	$14,083	$1.51	$13,323	$2,078.95	+$760.00 → TBNK
6	$15,070	$0.75	$14,667	$2,463.34	+$403.00 → TBNK
7← crossover	$16,125	$0.38	$16,396	$2,960.57	$271.00 → QYLD
8	$17,254	$0.19	$18,631	$3,612.97	$1.4K → QYLD
9	$18,462	$0.09	$21,548	$4,482.15	$3.1K → QYLD
10	$19,754	$0.05	$25,398	$5,659.31	$5.6K → QYLD

TBNK vs QYLD: Complete Analysis 2026

TBNK — Stock

Territorial Bancorp Inc. operates as the holding company for Territorial Savings Bank that provides various financial services to individuals, families, and businesses in the State of Hawaii. The company offers a range of deposit accounts, including passbook and statement savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts, and Super NOW accounts. It also provides various loan products comprising one-to four-family residential mortgage; home equity; consumer; multi-family mortgage; commercial business; and construction, commercial, and other nonresidential real estate loans, as well as lines of credit and investment securities. In addition, the company engages in insurance agency activities. Further, it provides various non-deposit investments, including annuities and mutual funds through a third-party broker-dealer. The company operates through a network of 29 full-service branches located in the state of Hawaii. Territorial Bancorp Inc. was founded in 1921 and is based in Honolulu, Hawaii.

Full TBNK 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.