Is USMT or QYLD a better dividend investment in 2026?

USMT currently yields 2.54% with a 5% 5-year dividend growth rate. QYLD yields 12.24% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between USMT and QYLD?

USMT has a forward dividend yield of 2.54% ($0.13/share annually). QYLD yields 12.24% ($2.04/share annually). The yield gap is 9.70 percentage points.

Home › Compare › USMT vs QYLD

USMT vs QYLD: Dividend Comparison 2026

USMT yields 2.54% · QYLD yields 12.24%● Live data

vsPost on X →

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

🏆 QYLD wins by $3.1K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

USMT

● Live price

2.54%

Share price

$5.11

Annual div

$0.13

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.5K

Annual income

$299.80

Full USMT calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

12.24%

Share price

$16.70

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.5K

Annual income

$6,038.84

Full QYLD calculator →

Portfolio growth — USMT vs QYLD

📍 QYLD pulled ahead of the other in Year 9

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	USMT	QYLD
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%.

📅

Dividend Calendar Overlap

Combined, USMT + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USMT pays

QYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USMT

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

$216.24/yr

After 10yr DRIP, annual income (after tax)

$254.83/yr

QYLD

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

$1,040.82/yr

After 10yr DRIP, annual income (after tax)

$5,133.01/yr

At 15% tax rate, QYLD beats the other by $4,878.18/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of USMT + QYLD for your $10,000?

USMT: 50%QYLD: 50%

100% QYLD50/50100% USMT

Portfolio after 10yr

$25.0K

Annual income

$3,169.32/yr

Blended yield

12.67%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USMT buys

QYLD buys

No recent congressional trades found for USMT or QYLD in the last 90 days.

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

MetricUSMTQYLD

Forward yield	2.54%	12.24% ✓
Annual dividend / share	$0.13	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$23.5K	$26.5K ✓
Annual income after 10y	$299.80	$6,038.84 ✓
Total dividends collected	$2.8K	$28.5K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: USMT vs QYLD ($10,000, DRIP)

Year	USMT Portfolio	USMT Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,954	$254.40	$10,384	$1,224.49	+$570.00 → USMT
2	$11,982	$260.45	$10,900	$1,388.18	+$1.1K → USMT
3	$13,087	$266.24	$11,576	$1,590.76	+$1.5K → USMT
4	$14,274	$271.77	$12,447	$1,844.20	+$1.8K → USMT
5	$15,551	$277.04	$13,567	$2,164.97	+$2.0K → USMT
6	$16,921	$282.07	$15,003	$2,576.05	+$1.9K → USMT
7	$18,393	$286.85	$16,853	$3,110.04	+$1.5K → USMT
8	$19,972	$291.39	$19,251	$3,813.85	+$721.00 → USMT
9← crossover	$21,665	$295.71	$22,390	$4,756.08	$725.00 → QYLD
10	$23,482	$299.80	$26,548	$6,038.84	$3.1K → QYLD

USMT vs QYLD: Complete Analysis 2026

USMT — Stock

US Metro Bancorp, Inc. operates as the bank holding company for US Metro Bank that provides various banking services to commercial business and individual consumers. The company's deposit products include checking, savings, money market, and certificate of deposit accounts, as well as treasury management services. It also offers real estate, business term and lines of credit, and small business administration loans, as well as construction and warehouse lending services. In addition, the company provides online and mobile banking, ATM, telebanc, and wire transfer services, as well as safe deposit box and debit card services. As of August 24, 2021, it operated five branches in Southern California; and loan production offices in Dallas, Seattle, New York, and Atlanta. The company was founded in 2006 and is headquartered in Garden Grove, California.

Full USMT Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD Calculator →

📬

Get this USMT vs QYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

USMT vs SCHD USMT vs JEPI USMT vs O USMT vs KO USMT vs MAIN USMT vs XYLD USMT vs JEPQ USMT vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.