Is USMT or XYLD a better dividend investment in 2026?

USMT currently yields 2.54% with a 5% 5-year dividend growth rate. XYLD yields 11.20% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between USMT and XYLD?

USMT has a forward dividend yield of 2.54% ($0.13/share annually). XYLD yields 11.20% ($4.30/share annually). The yield gap is 8.66 percentage points.

Home › Compare › USMT vs XYLD

USMT vs XYLD: Dividend Comparison 2026

USMT yields 2.54% · XYLD yields 11.20%● Live data

vsPost on X →

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

🏆 XYLD wins by $2.4K in total portfolio value· pulled ahead in Year 6

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 →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

11.20%

Share price

$38.36

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.9K

Annual income

$3,351.03

Full XYLD calculator →

Portfolio growth — USMT vs XYLD

📍 XYLD pulled ahead of the other in Year 6

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	USMT	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, USMT + XYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USMT pays

XYLD 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

XYLD

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

$952.37/yr

After 10yr DRIP, annual income (after tax)

$2,848.38/yr

At 15% tax rate, XYLD beats the other by $2,593.55/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

USMT: 50%XYLD: 50%

100% XYLD50/50100% USMT

Portfolio after 10yr

$24.7K

Annual income

$1,825.41/yr

Blended yield

7.40%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USMT buys

XYLD buys

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

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

MetricUSMTXYLD

Forward yield	2.54%	11.20% ✓
Annual dividend / share	$0.13	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$23.5K	$25.9K ✓
Annual income after 10y	$299.80	$3,351.03 ✓
Total dividends collected	$2.8K	$20.2K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	USMT Portfolio	USMT Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$10,954	$254.40	$10,840	$1,120.44	+$114.00 → USMT
2	$11,982	$260.45	$11,786	$1,249.59	+$196.00 → USMT
3	$13,087	$266.24	$12,854	$1,397.78	+$233.00 → USMT
4	$14,274	$271.77	$14,063	$1,568.33	+$211.00 → USMT
5	$15,551	$277.04	$15,434	$1,765.19	+$117.00 → USMT
6← crossover	$16,921	$282.07	$16,995	$1,993.14	$74.00 → XYLD
7	$18,393	$286.85	$18,777	$2,257.95	$384.00 → XYLD
8	$19,972	$291.39	$20,818	$2,566.58	$846.00 → XYLD
9	$21,665	$295.71	$23,163	$2,927.50	$1.5K → XYLD
10	$23,482	$299.80	$25,865	$3,351.03	$2.4K → XYLD

USMT vs XYLD: 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 →

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.