HomeCompareWTBFA vs XYLD

WTBFA vs XYLD: Dividend Comparison 2026

WTBFA yields 0.97% · XYLD yields 9.02%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 WTBFA wins by $4.0K in total portfolio value
10 years
WTBFA
WTBFA
● Live price
0.97%
Share price
$575.00
Annual div
$5.55
5Y div CAGR
25%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.2K
Annual income
$1,100.13
Full WTBFA calculator →
XYLD
Global X S&P 500 Covered Call ETF
● Live price
9.02%
Share price
$38.60
Annual div
$3.48
5Y div CAGR
0.5%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.1K
Annual income
$2,363.75
Full XYLD calculator →

Portfolio growth — WTBFA vs XYLD

📍 WTBFA pulled ahead of the other in Year 1

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 PeriodWTBFAXYLD
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, WTBFA + XYLD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
WTBFA pays
XYLD pays
Both pay
Neither
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Tax Bracket Optimizer

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

WTBFA
Annual income on $10K today (after 15% tax)
$82.04/yr
After 10yr DRIP, annual income (after tax)
$935.11/yr
XYLD
Annual income on $10K today (after 15% tax)
$766.32/yr
After 10yr DRIP, annual income (after tax)
$2,009.19/yr
At 15% tax rate, XYLD beats the other by $1,074.08/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

WTBFA: 50%XYLD: 50%
100% XYLD50/50100% WTBFA
Portfolio after 10yr
$23.2K
Annual income
$1,731.94/yr
Blended yield
7.48%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

WTBFA buys
0
XYLD buys
0
No recent congressional trades found for WTBFA or XYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricWTBFAXYLD
Forward yield0.97%9.02%
Annual dividend / share$5.55$3.48
Payout ratio50%90%
1-year div growth0%-2.1%
5-year div CAGR25%0.5%
Portfolio after 10y$25.2K$21.1K
Annual income after 10y$1,100.13$2,363.75
Total dividends collected$4.5K$15.0K
Payment frequencyquarterlymonthly
SectorStockETF

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

YearWTBFA PortfolioWTBFA Income/yrXYLD PortfolioXYLD Income/yrGap
1← crossover$10,821$120.65$10,626$906.06+$195.00WTBFA
2$11,731$152.52$11,324$995.47+$407.00WTBFA
3$12,745$193.16$12,104$1,096.88+$641.00WTBFA
4$13,882$245.16$12,977$1,212.21+$905.00WTBFA
5$15,166$311.96$13,958$1,343.80+$1.2KWTBFA
6$16,626$398.14$15,061$1,494.40+$1.6KWTBFA
7$18,299$509.88$16,307$1,667.30+$2.0KWTBFA
8$20,236$655.62$17,717$1,866.48+$2.5KWTBFA
9$22,499$846.97$19,317$2,096.71+$3.2KWTBFA
10$25,175$1,100.13$21,140$2,363.75+$4.0KWTBFA

WTBFA vs XYLD: Complete Analysis 2026

WTBFAStock

W.T.B. Financial Corporation operates as the bank holding company for Washington Trust Bank that provides banking, fiduciary, asset management, mortgage banking, and other financial services to corporate and individual customers. The company's deposit products include checking, savings and money market, health savings, individual retirement, and analyzed accounts, as well as certificates of deposit. It also offers credit and debit cards; home, auto, boat, motorcycle, motor home, home equity, equipment, debt refinancing, term, and agriculture loans; and SBA and commercial real estate financing products, as well as revolving, personal, and home equity lines of credit. In addition, the company provides investment products and services, such as retirement planning, mutual funds, stocks/bonds, life/long-term care insurance, annuities, brokerage, planning, and education funding. Further, it offers wealth management services consisting of investment management, charitable and nonprofit administration, estate settlement, family office, trust administration, retirement planning, employee benefits administration, and custody services, as well as portfolio management services. Additionally, the company provides digital wallets; remote deposit, merchant, treasury management, private banking, and online and mobile banking services; and documentary and standby letters of credit, documentary collection, foreign exchange products, foreign accounts receivable insurance, and SBA export loan guaranty programs. It operates through 42 branches and offices in Washington, Idaho, and Oregon. The company was founded in 1902 and is headquartered in Spokane, Washington.

Full WTBFA Calculator →

XYLDETF

XYLD sells covered calls on the S&P 500, converting equity volatility into monthly income. Yields 8-10% depending on market conditions. Similar to QYLD but with S&P 500 exposure — less volatile but comparable income mechanics. Popular for retirement income portfolios alongside other dividend ETFs.

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.