Is TECTP or RYLD a better dividend investment in 2026?

TECTP currently yields 11.29% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between TECTP and RYLD?

TECTP has a forward dividend yield of 11.29% ($1.13/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 1.10 percentage points.

Home › Compare › TECTP vs RYLD

TECTP vs RYLD: Dividend Comparison 2026

TECTP yields 11.29% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 TECTP wins by $987689.31M in total portfolio value

INVESTMENT

TIME HORIZON10 years

TECTP

● Live price

11.29%

Share price

$9.99

Annual div

$1.13

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$987689.36M

Annual income

$971,168,413,664.83

Full TECTP calculator →

RYLD

● Live price

12.39%

Share price

$14.64

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.3K

Annual income

$2,682.98

Full RYLD calculator →

Portfolio growth — TECTP vs RYLD

📍 TECTP 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	TECTP	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%.

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Dividend Calendar Overlap

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

Jan

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Feb

—

Mar

—

Apr

—

May

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Jun

—

Jul

—

Aug

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Sep

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Oct

—

Nov

—

Dec

—

TECTP pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

TECTP

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

$959.88/yr

After 10yr DRIP, annual income (after tax)

$825,493,151,615.11/yr

RYLD

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

$1,053.44/yr

After 10yr DRIP, annual income (after tax)

$2,280.53/yr

At 15% tax rate, TECTP beats the other by $825,493,149,334.57/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 TECTP + RYLD for your $10,000?

TECTP: 50%RYLD: 50%

100% RYLD50/50100% TECTP

Portfolio after 10yr

$493844.70M

Annual income

$485,584,208,173.91/yr

Blended yield

98.33%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TECTP buys

RYLD buys

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

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

MetricTECTPRYLD

Forward yield	11.29%	12.39% ✓
Annual dividend / share	$1.13	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$987689.36M ✓	$45.3K
Annual income after 10y	$971,168,413,664.83 ✓	$2,682.98
Total dividends collected	$986575.59M ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TECTP Portfolio	TECTP Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$12,959	$2,258.54	$11,939	$1,239.34	+$1.0K → TECTP
2	$19,336	$5,470.53	$14,158	$1,382.89	+$5.2K → TECTP
3	$35,947	$15,257.75	$16,682	$1,532.59	+$19.3K → TECTP
4	$91,483	$53,019.33	$19,537	$1,687.64	+$71.9K → TECTP
5	$350,092	$252,204.75	$22,752	$1,847.20	+$327.3K → TECTP
6	$2,178,614	$1,804,015.94	$26,355	$2,010.43	+$2.15M → TECTP
7	$23,314,964	$20,983,846.83	$30,376	$2,176.45	+$23.28M → TECTP
8	$444,692,249	$419,745,237.62	$34,847	$2,344.43	+$444.66M → TECTP
9	$15,440,134,586	$14,964,313,879.45	$39,800	$2,513.54	+$15440.09M → TECTP
10	$987,689,357,672	$971,168,413,664.83	$45,269	$2,682.98	+$987689.31M → TECTP

TECTP vs RYLD: Complete Analysis 2026

TECTP — Stock

Tectonic Financial, Inc., a financial holding company, provides banking and financial products and services to high net worth individuals, small businesses, and institutions in the United States. It offers commercial and consumer banking services, such as demand deposits, regular savings accounts, money market accounts, individual retirement accounts, and certificates of deposit; commercial and real estate loans, dental loans, commercial and industrial, commercial real estate, construction loans, and consumer installment loans; and wealth management and trust services. The company also provides trust, investment advisory, securities brokerage, factoring, third-party administration, recordkeeping, underwriting, and insurance services. It offers services through various delivery systems, including automated teller machines, mobile banking, and internet banking. Tectonic Financial, Inc. was formerly known as T Acquisition, Inc. and changed its name to Tectonic Financial, Inc. in May 2019. The company was incorporated in 2016 and is headquartered in Dallas, Texas.

Full TECTP 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 →

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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.