Is ADKT or FCPT a better dividend investment in 2026?

ADKT currently yields 5.15% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: FCPT offers higher current income.

What is the dividend yield difference between ADKT and FCPT?

ADKT has a forward dividend yield of 5.15% ($29.63/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 0.90 percentage points.

Home › Compare › ADKT vs FCPT

ADKT vs FCPT: Dividend Comparison 2026

ADKT yields 5.15% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 FCPT wins by $8.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ADKT

● Live price

5.15%

Share price

$575.00

Annual div

$29.63

5Y div CAGR

14.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$40.4K

Annual income

$3,602.07

Full ADKT calculator →

FCPT

● Live price

6.05%

Share price

$23.65

Annual div

$1.43

5Y div CAGR

15.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$49.1K

Annual income

$5,775.28

Full FCPT calculator →

Portfolio growth — ADKT vs FCPT

📍 FCPT 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 Period	ADKT	FCPT
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, ADKT + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ADKT pays

FCPT pays

Both pay

Neither

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Tax Bracket Optimizer

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

ADKT

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

$438.01/yr

After 10yr DRIP, annual income (after tax)

$3,061.76/yr

FCPT

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

$514.49/yr

After 10yr DRIP, annual income (after tax)

$4,908.99/yr

At 15% tax rate, FCPT beats the other by $1,847.23/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 ADKT + FCPT for your $10,000?

ADKT: 50%FCPT: 50%

100% FCPT50/50100% ADKT

Portfolio after 10yr

$44.7K

Annual income

$4,688.68/yr

Blended yield

10.49%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

ADKT

No analyst data

FCPT

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$27.00

+14.2% upside vs current

Range: $25.00 — $29.00

Altman Z

1.4

Piotroski

6/9

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)

ADKT buys

FCPT buys

No recent congressional trades found for ADKT or FCPT in the last 90 days.

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

MetricADKTFCPT

Forward yield	5.15%	6.05% ✓
Annual dividend / share	$29.63 ✓	$1.43
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	14.1%	15.8% ✓
Portfolio after 10y	$40.4K	$49.1K ✓
Annual income after 10y	$3,602.07	$5,775.28 ✓
Total dividends collected	$16.7K	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

Year-by-year: ADKT vs FCPT ($10,000, DRIP)

Year	ADKT Portfolio	ADKT Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$11,288	$587.96	$11,401	$700.92	$113.00 → FCPT
2	$12,786	$707.73	$13,064	$864.84	$278.00 → FCPT
3	$14,536	$854.84	$15,051	$1,072.48	$515.00 → FCPT
4	$16,590	$1,036.31	$17,442	$1,337.22	$852.00 → FCPT
5	$19,012	$1,261.22	$20,340	$1,677.08	$1.3K → FCPT
6	$21,884	$1,541.30	$23,880	$2,116.57	$2.0K → FCPT
7	$25,308	$1,891.86	$28,241	$2,689.36	$2.9K → FCPT
8	$29,412	$2,333.02	$33,660	$3,442.07	$4.2K → FCPT
9	$34,363	$2,891.32	$40,456	$4,439.95	$6.1K → FCPT
10	$40,370	$3,602.07	$49,063	$5,775.28	$8.7K → FCPT

ADKT vs FCPT: Complete Analysis 2026

ADKT — Stock

The Adirondack Trust Company provides banking and financial services to individuals and businesses in New York. It offers checking and savings accounts, direct deposits, and reorder checks; home mortgage, home equity, home improvement, auto, personal, and term loans, as well as lines of credit, SBA lending products, construction and development financing, and commercial real estate loans; and fixed-rate and adjustable-rate mortgages, construction loans, home refinance, home equity loans, and home equity line of credit, as well as mortgages for first-time homebuyers. The company also provides debit and credit cards; overdraft checking services; mobile and online banking services; merchant processing services; mobile check deposits; wire transfer, night depository, and ACH origination services. In addition, it offers wealth management services, such as financial planning, investment management, and retirement planning, as well as estate and trust services; and insurance for auto, home, life, umbrella, renters, long-term care, and business industries. The Adirondack Trust Company was founded in 1901 and is based in Saratoga Springs, New York.

Full ADKT Calculator →

FCPT — REIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT 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.