Is BMTX or ADC a better dividend investment in 2026?

BMTX currently yields 40.00% with a 5% 5-year dividend growth rate. ADC yields 4.13% with 5.2% growth. The better choice depends on your goal: BMTX offers higher current income.

What is the dividend yield difference between BMTX and ADC?

BMTX has a forward dividend yield of 40.00% ($2.00/share annually). ADC yields 4.13% ($3.10/share annually). The yield gap is 35.87 percentage points.

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BMTX vs ADC: Dividend Comparison 2026

BMTX yields 40.00% · ADC yields 4.13%● Live data

vsPost on X →

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

🏆 BMTX wins by $52.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

BMTX

● Live price

40.00%

Share price

$5.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$231.9K

Annual income

$39,181.04

Full BMTX calculator →

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 →

Portfolio growth — BMTX vs ADC

📍 BMTX 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 Period	BMTX	ADC
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, BMTX + ADC cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

BMTX pays

ADC pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

BMTX

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

$3,400.00/yr

After 10yr DRIP, annual income (after tax)

$33,303.88/yr

ADC

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

$351.36/yr

After 10yr DRIP, annual income (after tax)

$68,677.70/yr

At 15% tax rate, ADC beats the other by $35,373.81/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

BMTX: 50%ADC: 50%

100% ADC50/50100% BMTX

Portfolio after 10yr

$205.4K

Annual income

$59,989.17/yr

Blended yield

29.20%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

BMTX

Analyst Ratings

Buy

Hold

Consensus: Buy

Price Target

$9.20

+84.0% upside vs current

Range: $5.40 — $13.00

Altman Z

0.3

Piotroski

3/9

ADC

Analyst Ratings

Strong

Buy

Hold

Consensus: Buy

Price Target

$81.06

+8.1% upside vs current

Range: $75.00 — $84.50

Altman Z

1.6

Piotroski

7/9

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)

BMTX buys

ADC buys

No recent congressional trades found for BMTX or ADC in the last 90 days.

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

MetricBMTXADC

Forward yield	40.00% ✓	4.13%
Annual dividend / share	$2.00	$3.10 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	40.4% ✓
Portfolio after 10y	$231.9K ✓	$178.9K
Annual income after 10y	$39,181.04	$80,797.29 ✓
Total dividends collected	$174.4K ✓	$156.7K
Payment frequency	quarterly	monthly
Sector	Stock	REIT
Analyst consensus	Buy	Buy
Analyst price target	$9.20	$81.06 ✓

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

Year	BMTX Portfolio	BMTX Income/yr	ADC Portfolio	ADC Income/yr	Gap
1← crossover	$14,700	$4,000.00	$10,990	$580.36	+$3.7K → BMTX
2	$21,224	$5,495.33	$12,301	$860.26	+$8.9K → BMTX
3	$30,125	$7,415.26	$14,104	$1,298.62	+$16.0K → BMTX
4	$42,071	$9,836.48	$16,691	$2,008.16	+$25.4K → BMTX
5	$57,854	$12,838.17	$20,580	$3,205.09	+$37.3K → BMTX
6	$78,403	$16,499.54	$26,754	$5,330.02	+$51.6K → BMTX
7	$104,788	$20,897.28	$37,196	$9,345.14	+$67.6K → BMTX
8	$138,226	$26,102.79	$56,244	$17,523.09	+$82.0K → BMTX
9	$180,082	$32,179.61	$94,286	$35,736.21	+$85.8K → BMTX
10	$231,869	$39,181.04	$178,949	$80,797.29	+$52.9K → BMTX

BMTX vs ADC: Complete Analysis 2026

BMTX — Stock

BM Technologies, Inc. operates as a financial technology (fintech) company in the United States. It facilitates deposits and banking services between a customer and its partner bank, customers bank, which is a related party and is a Federal Deposit Insurance Corporation insured bank. The company, through its fintech banking platform, offers digital banking and disbursement services to consumers and students through digital channels. The company was formerly known as BankMobile Technologies, Inc. and changed its name to BM Technologies, Inc. in January 2021. BM Technologies, Inc. was founded in 2014 and is headquartered in Wayne, Pennsylvania.

Full BMTX Calculator →

ADC — REIT

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 →

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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.