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BNCZF vs ADC: Dividend Comparison 2026

BNCZF yields 9.16% · ADC yields 4.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $142.3K in total portfolio value· pulled ahead in Year 5
10 years
BNCZF
BNCZF
● Live price
9.16%
Share price
$13.45
Annual div
$1.23
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$36.7K
Annual income
$1,632.20
Full BNCZF 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 — BNCZF vs ADC

📍 ADC pulled ahead of the other in Year 5

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 PeriodBNCZFADC
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, BNCZF + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

BNCZF
Annual income on $10K today (after 15% tax)
$778.78/yr
After 10yr DRIP, annual income (after tax)
$1,387.37/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 $67,290.33/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BNCZF: 50%ADC: 50%
100% ADC50/50100% BNCZF
Portfolio after 10yr
$107.8K
Annual income
$41,214.75/yr
Blended yield
38.23%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

BNCZF
Analyst Ratings
2
Buy
1
Hold
Consensus: Buy
Altman Z
0.2
Piotroski
8/9
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
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)

BNCZF buys
0
ADC buys
0
No recent congressional trades found for BNCZF or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBNCZFADC
Forward yield9.16%4.13%
Annual dividend / share$1.23$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%40.4%
Portfolio after 10y$36.7K$178.9K
Annual income after 10y$1,632.20$80,797.29
Total dividends collected$12.8K$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT
Analyst consensusBuyBuy

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

YearBNCZF PortfolioBNCZF Income/yrADC PortfolioADC Income/yrGap
1$11,616$916.21$10,990$580.36+$626.00BNCZF
2$13,424$994.66$12,301$860.26+$1.1KBNCZF
3$15,438$1,074.26$14,104$1,298.62+$1.3KBNCZF
4$17,673$1,154.60$16,691$2,008.16+$982.00BNCZF
5← crossover$20,146$1,235.30$20,580$3,205.09$434.00ADC
6$22,872$1,316.00$26,754$5,330.02$3.9KADC
7$25,869$1,396.34$37,196$9,345.14$11.3KADC
8$29,156$1,476.01$56,244$17,523.09$27.1KADC
9$32,752$1,554.72$94,286$35,736.21$61.5KADC
10$36,676$1,632.20$178,949$80,797.29$142.3KADC

BNCZF vs ADC: Complete Analysis 2026

BNCZFStock

Banco BPM S.p.A., together with its subsidiaries, provides banking and financial products and services to individual, business, and corporate customers in Italy. The company operates through Retail, Corporate, Institutional, Private, Investment Banking, Strategic Partnerships, Leases, and Corporate Centre segments. It offers current accounts; home mortgages; personal loans; credit, debit, and prepaid cards; home, personal, assets, and auto and vehicle insurance; and saving and investment products, as well as online trading services. The company also provides business financing, corporate leasing, project and real estate financing, payment and collections, trade and export finance, and digital services, as well as investment and transactional banking. As of December 31, 2021, it operated 1,508 branches. The company was formerly known as Banco Popolare Societa Cooperativa Scarl and changed its name to Banco BPM Società per Azioni in January 2017. Banco BPM S.p.A. is headquartered in Verona, Italy.

Full BNCZF Calculator →

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 →
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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.