HomeCompareADC vs SJW

ADC vs SJW: Dividend Comparison 2026

ADC yields 4.13% · SJW yields 2.99%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $125.6K in total portfolio value· pulled ahead in Year 3
10 years
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →
SJW
SJW
● Live price
2.99%
Share price
$54.86
Annual div
$1.64
5Y div CAGR
30.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.4K
Annual income
$9,786.53
Full SJW calculator →

Portfolio growth — ADC vs SJW

📍 ADC pulled ahead of the other in Year 3

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 PeriodADCSJW
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, ADC + SJW cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ADC pays
SJW pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
SJW
Annual income on $10K today (after 15% tax)
$254.10/yr
After 10yr DRIP, annual income (after tax)
$8,318.55/yr
At 15% tax rate, ADC beats the other by $60,359.15/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ADC + SJW for your $10,000?

ADC: 50%SJW: 50%
100% SJW50/50100% ADC
Portfolio after 10yr
$116.2K
Annual income
$45,291.91/yr
Blended yield
38.99%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% upside vs current
Range: $75.00 — $84.50
Altman Z
1.6
Piotroski
7/9
SJW
Analyst Ratings
5
Buy
6
Hold
Consensus: Hold
Price Target
$72.75
+32.6% upside vs current
Range: $57.00 — $85.00
Altman Z
2.7
Piotroski
5/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ADC buys
7
SJW buys
0
PoliticianChamberTickerTypeAmountDate
Gilbert Cisneros🏢 House$ADC▼ Sell$15,001 - $50,0002026-01-15
Lisa McClain🏢 House$ADC▼ Sell$1,001 - $15,0002025-09-25
Lisa McClain🏢 House$ADC▲ Buy$1,001 - $15,0002025-08-13
Lisa McClain🏢 House$ADC▼ Sell$1,001 - $15,0002025-06-17
Lisa McClain🏢 House$ADC▼ Sell$1,001 - $15,0002025-06-17
Lisa McClain🏢 House$ADC▲ Buy$1,001 - $15,0002025-06-11
Lisa McClain🏢 House$ADC▲ Buy$1,001 - $15,0002025-06-11
Josh Gottheimer🏢 House$ADC▼ Sell$1,001 - $15,0002025-04-09
Josh Gottheimer🏢 House$ADC▲ Buy$1,001 - $15,0002024-04-15
Josh Gottheimer🏢 House$ADC▼ Sell$1,001 - $15,0002024-03-14
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricADCSJW
Forward yield4.13%2.99%
Annual dividend / share$3.10$1.64
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR40.4%30.9%
Portfolio after 10y$178.9K$53.4K
Annual income after 10y$80,797.29$9,786.53
Total dividends collected$156.7K$29.2K
Payment frequencymonthlyquarterly
SectorREITUtilities
Analyst consensusBuyHold
Analyst price target$81.06$72.75

Year-by-year: ADC vs SJW ($10,000, DRIP)

YearADC PortfolioADC Income/yrSJW PortfolioSJW Income/yrGap
1$10,990$580.36$11,091$391.32$101.00SJW
2$12,301$860.26$12,399$530.97$98.00SJW
3← crossover$14,104$1,298.62$13,993$726.13+$111.00ADC
4$16,691$2,008.16$15,975$1,002.53+$716.00ADC
5$20,580$3,205.09$18,493$1,400.18+$2.1KADC
6$26,754$5,330.02$21,771$1,982.98+$5.0KADC
7$37,196$9,345.14$26,150$2,855.84+$11.0KADC
8$56,244$17,523.09$32,178$4,196.60+$24.1KADC
9$94,286$35,736.21$40,747$6,317.25+$53.5KADC
10$178,949$80,797.29$53,386$9,786.53+$125.6KADC

ADC vs SJW: Complete Analysis 2026

ADCREIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC Calculator →

SJWUtilities

SJW Group, through its subsidiaries, provides water utility services in the United States. It engages in the production, purchase, storage, purification, distribution, wholesale, and retail sale of water and wastewater services. The company also provides non-tariffed services, including water system operations, maintenance agreements, and antenna site leases; contracted services and sewer operations to water utilities; and a Linebacker protection plan for public drinking water customers in Connecticut and Maine. Its water supply consists of groundwater from wells, surface water from watershed run-off and diversion, reclaimed water, and imported water purchased from the Santa Clara Valley Water District. The company offers water service to approximately 231,000 connections that serve approximately one million people residing in portions of the cities of San Jose and Cupertino, as well as in the cities of Campbell, Monte Sereno, Saratoga, and the Town of Los Gatos; and adjacent unincorporated territories in the County of Santa Clara in the State of California. In addition, it provides water service to approximately 140,000 connections, which serve approximately 456,000 people in 81 municipalities with a service area comprising approximately 269 square miles throughout Connecticut and Maine, as well as approximately 24,000 connections that serve approximately 70,000 people in a service area comprising approximately 266 square miles in the region between San Antonio and Austin, Texas; and approximately 3,000 wastewater connections in Southbury, Connecticut. Further, the company owns undeveloped land in California and Tennessee; and owns and operates commercial buildings and warehouse properties in Tennessee. The company was formerly known as SJW Corp. and changed its name to SJW Group in November 2016. SJW Group was incorporated in 1985 and is headquartered in San Jose, California.

Full SJW 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.