HomeCompareVERF vs SPHD

VERF vs SPHD: Dividend Comparison 2026

VERF yields 2.96% · SPHD yields 4.33%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 VERF wins by $190.4K in total portfolio value
10 years
VERF
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 →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — VERF vs SPHD

📍 VERF pulled ahead of the other in Year 1

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 PeriodVERFSPHD
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, VERF + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
VERF pays
SPHD 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
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, VERF beats the other by $85,806.62/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VERF: 50%SPHD: 50%
100% SPHD50/50100% VERF
Portfolio after 10yr
$121.8K
Annual income
$51,045.81/yr
Blended yield
41.92%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

VERF buys
0
SPHD buys
0
No recent congressional trades found for VERF or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVERFSPHD
Forward yield2.96%4.33%
Annual dividend / share$0.75$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR50.2%0%
Portfolio after 10y$217.0K$26.5K
Annual income after 10y$101,520.29$571.32
Total dividends collected$184.2K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearVERF PortfolioVERF Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$11,145$444.54$11,133$432.85+$12.00VERF
2$12,620$695.43$12,363$450.36+$257.00VERF
3$14,609$1,105.46$13,695$467.39+$914.00VERF
4$17,428$1,796.33$15,138$483.90+$2.3KVERF
5$21,656$3,008.13$16,697$499.88+$5.0KVERF
6$28,419$5,247.06$18,382$515.31+$10.0KVERF
7$40,074$9,665.69$20,198$530.17+$19.9KVERF
8$62,012$19,132.56$22,157$544.46+$39.9KVERF
9$107,912$41,559.52$24,266$558.18+$83.6KVERF
10$216,986$101,520.29$26,536$571.32+$190.4KVERF

VERF vs SPHD: Complete Analysis 2026

VERFStock

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 →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD Calculator →
📬

Get this VERF vs SPHD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

VERF vs SCHDVERF vs JEPIVERF vs OVERF vs KOVERF vs MAIN

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