Is VBFC or QYLD a better dividend investment in 2026?

VBFC currently yields 0.90% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between VBFC and QYLD?

VBFC has a forward dividend yield of 0.90% ($0.72/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 11.02 percentage points.

Home › Compare › VBFC vs QYLD

VBFC vs QYLD: Dividend Comparison 2026

VBFC yields 0.90% · QYLD yields 11.92%● Live data

vsPost on X →

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

🏆 QYLD wins by $4.5K in total portfolio value· pulled ahead in Year 8

INVESTMENT

TIME HORIZON10 years

VBFC

● Live price

0.90%

Share price

$80.21

Annual div

$0.72

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$20.9K

Annual income

$95.15

Full VBFC calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — VBFC vs QYLD

📍 QYLD pulled ahead of the other in Year 8

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	VBFC	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%.

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Dividend Calendar Overlap

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VBFC pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

VBFC

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

$76.30/yr

After 10yr DRIP, annual income (after tax)

$80.88/yr

QYLD

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

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, QYLD beats the other by $4,729.54/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 VBFC + QYLD for your $10,000?

VBFC: 50%QYLD: 50%

100% QYLD50/50100% VBFC

Portfolio after 10yr

$23.2K

Annual income

$2,877.24/yr

Blended yield

12.42%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VBFC buys

QYLD buys

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

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

MetricVBFCQYLD

Forward yield	0.90%	11.92% ✓
Annual dividend / share	$0.72	$2.04 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$20.9K	$25.4K ✓
Annual income after 10y	$95.15	$5,659.31 ✓
Total dividends collected	$927.00 ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	VBFC Portfolio	VBFC Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1	$10,790	$89.76	$10,352	$1,192.36	+$438.00 → VBFC
2	$11,636	$90.52	$10,830	$1,347.57	+$806.00 → VBFC
3	$12,541	$91.23	$11,460	$1,539.07	+$1.1K → VBFC
4	$13,511	$91.90	$12,275	$1,777.84	+$1.2K → VBFC
5	$14,549	$92.52	$13,323	$2,078.95	+$1.2K → VBFC
6	$15,661	$93.12	$14,667	$2,463.34	+$994.00 → VBFC
7	$16,851	$93.67	$16,396	$2,960.57	+$455.00 → VBFC
8← crossover	$18,125	$94.20	$18,631	$3,612.97	$506.00 → QYLD
9	$19,488	$94.69	$21,548	$4,482.15	$2.1K → QYLD
10	$20,947	$95.15	$25,398	$5,659.31	$4.5K → QYLD

VBFC vs QYLD: Complete Analysis 2026

VBFC — Stock

Village Bank and Trust Financial Corp. primarily operates as the bank holding company for Village Bank that provides banking and related financial services to small and medium sized businesses, professionals, and individuals. It operates in two segments, Traditional Commercial Banking and Mortgage Banking. The company accepts checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and other depository services. It also offers secured and unsecured commercial business loans for various purposes, such as funding working capital needs, business expansion, and purchase of equipment and machinery; loans for acquiring, developing, constructing, and owning commercial real estate properties; and secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments, as well as originates mortgage loans, real estate construction loans, and acquisition loans for sale in the secondary market. In addition, the company offers online and mobile banking, and remote deposit capture services for business clients. It provides its products and services through nine full-service branch banking offices and a mortgage loan production office in Central Virginia in the counties of Chesterfield, Hanover, Henrico, Powhatan, James City, and Richmond City. The company was founded in 1999 and is headquartered in Midlothian, Virginia.

Full VBFC 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 →

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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.