Is TCBIL or XYLD a better dividend investment in 2026?

TCBIL currently yields 34.08% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: TCBIL offers higher current income.

What is the dividend yield difference between TCBIL and XYLD?

TCBIL has a forward dividend yield of 34.08% ($8.53/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 23.10 percentage points.

Home › Compare › TCBIL vs XYLD

TCBIL vs XYLD: Dividend Comparison 2026

TCBIL yields 34.08% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 TCBIL wins by $2534974145.84M in total portfolio value

INVESTMENT

TIME HORIZON10 years

TCBIL

● Live price

34.08%

Share price

$25.02

Annual div

$8.53

5Y div CAGR

98.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$2534974145.86M

Annual income

$2,519,427,200,717,667.50

Full TCBIL calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — TCBIL vs XYLD

📍 TCBIL 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	TCBIL	XYLD
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, TCBIL + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TCBIL pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

TCBIL

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

$2,896.52/yr

After 10yr DRIP, annual income (after tax)

$2,141,513,120,610,017.20/yr

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, TCBIL beats the other by $2,141,513,120,607,281.00/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TCBIL + XYLD for your $10,000?

TCBIL: 50%XYLD: 50%

100% XYLD50/50100% TCBIL

Portfolio after 10yr

$1267487072.94M

Annual income

$1,259,713,600,360,443.20/yr

Blended yield

99.39%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on TCBIL right now

TCBIL

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Price Target

$65.00

+159.8% upside vs current

Range: $65.00 — $65.00

XYLD

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)

TCBIL buys

XYLD buys

No recent congressional trades found for TCBIL or XYLD in the last 90 days.

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

MetricTCBILXYLD

Forward yield	34.08% ✓	10.98%
Annual dividend / share	$8.53 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	98.2% ✓	0%
Portfolio after 10y	$2534974145.86M ✓	$25.3K
Annual income after 10y	$2,519,427,200,717,667.50 ✓	$3,219.02
Total dividends collected	$2533946097.52M ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: TCBIL vs XYLD ($10,000, DRIP)

Year	TCBIL Portfolio	TCBIL Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$17,454	$6,754.01	$10,818	$1,098.39	+$6.6K → TCBIL
2	$40,512	$21,836.18	$11,738	$1,222.51	+$28.8K → TCBIL
3	$137,230	$93,882.54	$12,774	$1,364.64	+$124.5K → TCBIL
4	$735,913	$589,076.19	$13,944	$1,527.86	+$722.0K → TCBIL
5	$6,638,930	$5,851,503.16	$15,270	$1,715.87	+$6.62M → TCBIL
6	$104,885,698	$97,782,042.91	$16,775	$1,933.09	+$104.87M → TCBIL
7	$2,973,750,291	$2,861,522,594.20	$18,490	$2,184.87	+$2973.73M → TCBIL
8	$153,463,328,598	$150,281,415,787.21	$20,450	$2,477.63	+$153463.31M → TCBIL
9	$14,529,855,277,068	$14,365,649,515,467.92	$22,697	$2,819.19	+$14529855.25M → TCBIL
10	$2,534,974,145,864,131	$2,519,427,200,717,667.50	$25,280	$3,219.02	+$2534974145.84M → TCBIL

TCBIL vs XYLD: Complete Analysis 2026

TCBIL — Stock

Texas Capital Bancshares, Inc. operates as the bank holding company for Texas Capital Bank, National Association that provides various banking products and services for commercial businesses, and professionals and entrepreneurs. It offers business deposit products and services, including commercial checking accounts, lockbox accounts, and cash concentration accounts, as well as other treasury management services, including information services, wire transfer initiation, ACH initiation, account transfer, and service integration; and consumer deposit products, such as checking accounts, savings accounts, money market accounts, and certificates of deposit. The company also provides commercial loans for general corporate purposes comprising financing for working capital, internal growth, and acquisitions, as well as financing for business insurance premiums; real estate term and construction loans; mortgage warehouse lending; mortgage correspondent aggregation; equipment finance and leasing; treasury management services, including online banking and debit and credit card services; escrow services; and letters of credit. In addition, it offers personal wealth management and trust services; secured and unsecured loans; and online and mobile banking services. Further, the company provides American Airlines AAdvantage, an all-digital branch offering depositors. It operates in Austin, Dallas, Fort Worth, Houston, and San Antonio metropolitan areas of Texas. Texas Capital Bancshares, Inc. was founded in 1996 and is headquartered in Dallas, Texas.

Full TCBIL Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD 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.