Is TRMT or RYLD a better dividend investment in 2026?

TRMT currently yields 36.78% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: TRMT offers higher current income.

What is the dividend yield difference between TRMT and RYLD?

TRMT has a forward dividend yield of 36.78% ($1.92/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 24.39 percentage points.

Home › Compare › TRMT vs RYLD

TRMT vs RYLD: Dividend Comparison 2026

TRMT yields 36.78% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 TRMT wins by $149.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TRMT

● Live price

36.78%

Share price

$5.22

Annual div

$1.92

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$194.3K

Annual income

$30,601.99

Full TRMT 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 — TRMT vs RYLD

📍 TRMT 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	TRMT	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, TRMT + RYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TRMT 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.

TRMT

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

$3,126.44/yr

After 10yr DRIP, annual income (after tax)

$26,011.69/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, TRMT beats the other by $23,731.16/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 TRMT + RYLD for your $10,000?

TRMT: 50%RYLD: 50%

100% RYLD50/50100% TRMT

Portfolio after 10yr

$119.8K

Annual income

$16,642.49/yr

Blended yield

13.90%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on TRMT right now

TRMT

Analyst Ratings

Buy

Hold

Consensus: Hold

RYLD

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TRMT buys

RYLD buys

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

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

MetricTRMTRYLD

Forward yield	36.78% ✓	12.39%
Annual dividend / share	$1.92 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$194.3K ✓	$45.3K
Annual income after 10y	$30,601.99 ✓	$2,682.98
Total dividends collected	$142.4K ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	TRMT Portfolio	TRMT Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$14,378	$3,678.16	$11,939	$1,239.34	+$2.4K → TRMT
2	$20,327	$4,942.54	$14,158	$1,382.89	+$6.2K → TRMT
3	$28,280	$6,530.41	$16,682	$1,532.59	+$11.6K → TRMT
4	$38,751	$8,491.14	$19,537	$1,687.64	+$19.2K → TRMT
5	$52,338	$10,873.80	$22,752	$1,847.20	+$29.6K → TRMT
6	$69,727	$13,725.43	$26,355	$2,010.43	+$43.4K → TRMT
7	$91,697	$17,089.42	$30,376	$2,176.45	+$61.3K → TRMT
8	$119,120	$21,003.88	$34,847	$2,344.43	+$84.3K → TRMT
9	$152,958	$25,500.22	$39,800	$2,513.54	+$113.2K → TRMT
10	$194,267	$30,601.99	$45,269	$2,682.98	+$149.0K → TRMT

TRMT vs RYLD: Complete Analysis 2026

TRMT — Stock

Tremont Mortgage Trust operates as a real estate investment trust. The company is headquartered in Newton, Massachusetts. The firm is focused primarily on originating and investing in first mortgage loans secured by middle market and transitional commercial real estate (CRE). Its investments also include subordinated mortgages, mezzanine loans and preferred equity interests in entities that own middle market and transitional CRE. The company invests in first mortgage loans that provide financing on transitional CRE properties. The company also invests in subordinated loans, which includes subordinated mortgage loans and junior participations in first mortgage loans. The firm originates commercial real estate financing transactions for its clients. As of March 31, 2017, the Company had originated for its clients 437 real estate financing transactions, which primarily comprised of middle market CRE loans, for properties located across the United States. The Company’s investment manager is Tremont Realty Advisors LLC.

Full TRMT 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.