HomeCompareCFSB vs ADC

CFSB vs ADC: Dividend Comparison 2026

CFSB yields 14.04% · ADC yields 4.11%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $126.6K in total portfolio value· pulled ahead in Year 7
10 years
CFSB
CFSB
● Live price
14.04%
Share price
$14.25
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$50.3K
Annual income
$3,349.15
Full CFSB calculator →
ADC
Agree Realty Corporation
● Live price
4.11%
Share price
$75.38
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$176.9K
Annual income
$79,647.25
Full ADC calculator →

Portfolio growth — CFSB vs ADC

📍 ADC pulled ahead of the other in Year 7

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 PeriodCFSBADC
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, CFSB + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CFSB
Annual income on $10K today (after 15% tax)
$1,192.98/yr
After 10yr DRIP, annual income (after tax)
$2,846.78/yr
ADC
Annual income on $10K today (after 15% tax)
$349.45/yr
After 10yr DRIP, annual income (after tax)
$67,700.16/yr
At 15% tax rate, ADC beats the other by $64,853.38/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFSB: 50%ADC: 50%
100% ADC50/50100% CFSB
Portfolio after 10yr
$113.6K
Annual income
$41,498.20/yr
Blended yield
36.53%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

CFSB
No analyst data
Altman Z
-0.4
Piotroski
5/9
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+7.5% 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)

CFSB buys
0
ADC buys
0
No recent congressional trades found for CFSB or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFSBADC
Forward yield14.04%4.11%
Annual dividend / share$2.00$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%40.4%
Portfolio after 10y$50.3K$176.9K
Annual income after 10y$3,349.15$79,647.25
Total dividends collected$23.4K$154.7K
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearCFSB PortfolioCFSB Income/yrADC PortfolioADC Income/yrGap
1$12,104$1,403.51$10,987$577.21+$1.1KCFSB
2$14,538$1,587.61$12,293$855.34+$2.2KCFSB
3$17,338$1,782.23$14,088$1,290.70+$3.3KCFSB
4$20,538$1,986.41$16,660$1,994.91+$3.9KCFSB
5$24,175$2,199.10$20,525$3,181.85+$3.6KCFSB
6$28,287$2,419.17$26,654$5,286.90+$1.6KCFSB
7← crossover$32,912$2,645.41$37,006$9,259.47$4.1KADC
8$38,093$2,876.63$55,862$17,338.74$17.8KADC
9$43,871$3,111.61$93,452$35,300.32$49.6KADC
10$50,291$3,349.15$176,931$79,647.25$126.6KADC

CFSB vs ADC: Complete Analysis 2026

CFSBStock

CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company also offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.

Full CFSB 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 →
📬

Get this CFSB vs ADC comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CFSB vs SCHDCFSB vs JEPICFSB vs OCFSB vs KOCFSB vs MAINCFSB vs NNNCFSB vs EPRTCFSB vs FCPT

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.