Is VERF or RYLD a better dividend investment in 2026?

VERF currently yields 2.96% with a 5% 5-year dividend growth rate. RYLD yields 12.39% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between VERF and RYLD?

VERF has a forward dividend yield of 2.96% ($0.75/share annually). RYLD yields 12.39% ($1.81/share annually). The yield gap is 9.43 percentage points.

Home › Compare › VERF vs RYLD

VERF vs RYLD: Dividend Comparison 2026

VERF yields 2.96% · RYLD yields 12.39%● Live data

vsPost on X →

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

🏆 VERF wins by $171.7K in total portfolio value· pulled ahead in Year 6

INVESTMENT

TIME HORIZON10 years

VERF

● Live price

2.96%

Share price

$25.34

Annual div

$0.75

5Y div CAGR

50.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$217.0K

Annual income

$101,520.29

Full VERF 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 — VERF vs RYLD

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

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

VERF pays

RYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

VERF

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

$251.57/yr

After 10yr DRIP, annual income (after tax)

$86,292.25/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, VERF beats the other by $84,011.71/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of VERF + RYLD for your $10,000?

VERF: 50%RYLD: 50%

100% RYLD50/50100% VERF

Portfolio after 10yr

$131.1K

Annual income

$52,101.64/yr

Blended yield

39.73%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VERF buys

RYLD buys

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

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

MetricVERFRYLD

Forward yield	2.96%	12.39% ✓
Annual dividend / share	$0.75	$1.81 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	50.2% ✓	0%
Portfolio after 10y	$217.0K ✓	$45.3K
Annual income after 10y	$101,520.29 ✓	$2,682.98
Total dividends collected	$184.2K ✓	$19.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	VERF Portfolio	VERF Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,145	$444.54	$11,939	$1,239.34	$794.00 → RYLD
2	$12,620	$695.43	$14,158	$1,382.89	$1.5K → RYLD
3	$14,609	$1,105.46	$16,682	$1,532.59	$2.1K → RYLD
4	$17,428	$1,796.33	$19,537	$1,687.64	$2.1K → RYLD
5	$21,656	$3,008.13	$22,752	$1,847.20	$1.1K → RYLD
6← crossover	$28,419	$5,247.06	$26,355	$2,010.43	+$2.1K → VERF
7	$40,074	$9,665.69	$30,376	$2,176.45	+$9.7K → VERF
8	$62,012	$19,132.56	$34,847	$2,344.43	+$27.2K → VERF
9	$107,912	$41,559.52	$39,800	$2,513.54	+$68.1K → VERF
10	$216,986	$101,520.29	$45,269	$2,682.98	+$171.7K → VERF

VERF vs RYLD: Complete Analysis 2026

VERF — Stock

Versailles Financial Corporation operates as the thrift holding company for Versailles Savings and Loan Company that provides financial products and services in Darke and Shelby counties. The company's deposit products include checking accounts, money market accounts, passbook savings accounts, statement savings accounts, time deposits, business accounts, IRAs, and certificates of deposit. It also provides real estate loans, including fixed rate and variable rate, construction/permanent, home improvement, and building lot loans, as well as first time home buyer programs; consumer and personal loans, such as new and used cars and light trucks, motorcycles, watercraft, and recreational vehicles loans; and commercial loans. In addition, the company offers debit cards; and online banking services. Versailles Financial Corporation was founded in 1887 and is based in Versailles, Ohio.

Full VERF 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.