Is USCBX or HDV a better dividend investment in 2026?

USCBX currently yields 3.50% with a 5% 5-year dividend growth rate. HDV yields 2.92% with 4.8% growth. The better choice depends on your goal: USCBX offers higher current income.

What is the dividend yield difference between USCBX and HDV?

USCBX has a forward dividend yield of 3.50% ($0.35/share annually). HDV yields 2.92% ($3.96/share annually). The yield gap is 0.58 percentage points.

Home › Compare › USCBX vs HDV

USCBX vs HDV: Dividend Comparison 2026

USCBX yields 3.50% · HDV yields 2.92%● Live data

vsPost on X →

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

🏆 USCBX wins by $763.00 in total portfolio value

INVESTMENT

TIME HORIZON10 years

USCBX

● Live price

3.50%

Share price

$10.09

Annual div

$0.35

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.1K

Annual income

$437.81

Full USCBX calculator →

HDV

iShares Core High Dividend ETF

● Live price

2.92%

Share price

$135.39

Annual div

$3.96

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$24.3K

Annual income

$352.73

Full HDV calculator →

Portfolio growth — USCBX vs HDV

📍 USCBX 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	USCBX	HDV
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, USCBX + HDV cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

—

Jul

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Aug

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Sep

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Oct

—

Nov

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Dec

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USCBX pays

HDV pays

Both pay

Neither

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Tax Bracket Optimizer

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

USCBX

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

$297.20/yr

After 10yr DRIP, annual income (after tax)

$372.14/yr

HDV

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

$248.52/yr

After 10yr DRIP, annual income (after tax)

$299.82/yr

At 15% tax rate, USCBX beats the other by $72.32/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 USCBX + HDV for your $10,000?

USCBX: 50%HDV: 50%

100% HDV50/50100% USCBX

Portfolio after 10yr

$24.7K

Annual income

$395.27/yr

Blended yield

1.60%

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USCBX buys

HDV buys

No recent congressional trades found for USCBX or HDV in the last 90 days.

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

MetricUSCBXHDV

Forward yield	3.50% ✓	2.92%
Annual dividend / share	$0.35	$3.96 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$25.1K ✓	$24.3K
Annual income after 10y	$437.81 ✓	$352.73
Total dividends collected	$4.0K ✓	$3.2K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: USCBX vs HDV ($10,000, DRIP)

Year	USCBX Portfolio	USCBX Income/yr	HDV Portfolio	HDV Income/yr	Gap
1← crossover	$11,050	$349.64	$11,002	$292.38	+$48.00 → USCBX
2	$12,184	$361.07	$12,084	$300.36	+$100.00 → USCBX
3	$13,409	$372.10	$13,250	$308.02	+$159.00 → USCBX
4	$14,731	$382.72	$14,506	$315.35	+$225.00 → USCBX
5	$16,155	$392.92	$15,858	$322.35	+$297.00 → USCBX
6	$17,688	$402.72	$17,313	$329.04	+$375.00 → USCBX
7	$19,338	$412.10	$18,878	$335.42	+$460.00 → USCBX
8	$21,113	$421.07	$20,560	$341.49	+$553.00 → USCBX
9	$23,021	$429.64	$22,367	$347.25	+$654.00 → USCBX
10	$25,070	$437.81	$24,307	$352.73	+$763.00 → USCBX

USCBX vs HDV: Complete Analysis 2026

USCBX — Stock

The fund invests primarily in long-term investment-grade securities issued by the state of California, its political subdivisions, instrumentalities, and by other government entities, the interest on which is excludable from gross income for federal income tax and California state income tax purposes. During normal market conditions, at least 80% of the fund's net assets will consist of California tax-exempt securities. Its dollar-weighted average portfolio maturity is not restricted, but is expected to be greater than 10 years.

Full USCBX Calculator →

HDV — ETF

The iShares Core High Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full HDV 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.