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CITZ vs FCPT: Dividend Comparison 2026

CITZ yields 1.10% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 FCPT wins by $20.5K in total portfolio value
10 years
CITZ
CITZ
● Live price
1.10%
Share price
$40.10
Annual div
$0.44
5Y div CAGR
30.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.6K
Annual income
$2,114.85
Full CITZ calculator →
FCPT
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 — CITZ 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 PeriodCITZFCPT
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, CITZ + FCPT cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CITZ pays
FCPT pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CITZ
Annual income on $10K today (after 15% tax)
$93.27/yr
After 10yr DRIP, annual income (after tax)
$1,797.62/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 $3,111.37/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of CITZ + FCPT for your $10,000?

CITZ: 50%FCPT: 50%
100% FCPT50/50100% CITZ
Portfolio after 10yr
$38.8K
Annual income
$3,945.07/yr
Blended yield
10.16%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

CITZ
No analyst data
Altman Z
-0.6
Piotroski
4/9
FCPT
Analyst Ratings
5
Buy
10
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)

CITZ buys
0
FCPT buys
0
No recent congressional trades found for CITZ or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCITZFCPT
Forward yield1.10%6.05% ✓
Annual dividend / share$0.44$1.43 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.5% ✓15.8%
Portfolio after 10y$28.6K$49.1K ✓
Annual income after 10y$2,114.85$5,775.28 ✓
Total dividends collected$7.5K$24.1K ✓
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearCITZ PortfolioCITZ Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$10,843$143.19$11,401$700.92$558.00 → FCPT
2$11,792$189.37$13,064$864.84$1.3K → FCPT
3$12,868$251.16$15,051$1,072.48$2.2K → FCPT
4$14,103$334.28$17,442$1,337.22$3.3K → FCPT
5$15,537$446.83$20,340$1,677.08$4.8K → FCPT
6$17,225$600.38$23,880$2,116.57$6.7K → FCPT
7$19,243$811.79$28,241$2,689.36$9.0K → FCPT
8$21,696$1,106.05$33,660$3,442.07$12.0K → FCPT
9$24,735$1,520.93$40,456$4,439.95$15.7K → FCPT
10$28,582$2,114.85$49,063$5,775.28$20.5K → FCPT

CITZ vs FCPT: Complete Analysis 2026

CITZ — Stock

Citizens Bancshares Corporation operates as the bank holding company for The Citizens Bank that provides community banking services and financial products. It offers checking and savings accounts, money market accounts, certificates of deposit, individual retirement accounts, debit and credit cards, personal and business loans, mortgages, cash management, mobile banking, and merchant services. The company was incorporated in 1988 and is headquartered in Olanta, South Carolina.

Full CITZ 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.