HomeCompareTBNK vs SPHD

TBNK vs SPHD: Dividend Comparison 2026

TBNK yields 0.48% · SPHD yields 4.30%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SPHD wins by $6.7K in total portfolio value
10 years
TBNK
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 →
SPHD
SPHD
● Live price
4.30%
Share price
$49.61
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$567.37
Full SPHD calculator →

Portfolio growth — TBNK vs SPHD

📍 SPHD 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 PeriodTBNKSPHD
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 + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
TBNK pays
SPHD pays
Both pay
Neither
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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
SPHD
Annual income on $10K today (after 15% tax)
$365.92/yr
After 10yr DRIP, annual income (after tax)
$482.26/yr
At 15% tax rate, SPHD beats the other by $482.22/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TBNK + SPHD for your $10,000?

TBNK: 50%SPHD: 50%
100% SPHD50/50100% TBNK
Portfolio after 10yr
$23.1K
Annual income
$283.70/yr
Blended yield
1.23%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on TBNK right now

TBNK
Analyst Ratings
1
Buy
6
Hold
Consensus: Hold
Price Target
$8.50
+2.0% upside vs current
Range: $8.50 — $8.50
Altman Z
0.2
Piotroski
3/9
SPHD
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
0
SPHD buys
0
No recent congressional trades found for TBNK or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTBNKSPHD
Forward yield0.48%4.30%
Annual dividend / share$0.04$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%0%
Portfolio after 10y$19.8K$26.5K
Annual income after 10y$0.05$567.37
Total dividends collected$48.00$5.0K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTBNK PortfolioTBNK Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$10,724$24.01$11,130$430.50$406.00SPHD
2$11,487$12.03$12,357$447.82$870.00SPHD
3$12,297$6.02$13,687$464.65$1.4KSPHD
4$13,161$3.01$15,126$480.98$2.0KSPHD
5$14,083$1.51$16,682$496.78$2.6KSPHD
6$15,070$0.75$18,362$512.03$3.3KSPHD
7$16,125$0.38$20,174$526.72$4.0KSPHD
8$17,254$0.19$22,127$540.84$4.9KSPHD
9$18,462$0.09$24,230$554.39$5.8KSPHD
10$19,754$0.05$26,493$567.37$6.7KSPHD

TBNK vs SPHD: Complete Analysis 2026

TBNKStock

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 →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.