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CLDB vs FCPT: Dividend Comparison 2026

CLDB yields 40.19% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CLDB wins by $15615634208.55M in total portfolio value
10 years
CLDB
CLDB
● Live price
40.19%
Share price
$28.47
Annual div
$11.44
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$15615634208.60M
Annual income
$15,541,348,962,393,100.00
Full CLDB 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 — CLDB vs FCPT

📍 CLDB 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 PeriodCLDBFCPT
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, CLDB + FCPT cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CLDB
Annual income on $10K today (after 15% tax)
$3,416.20/yr
After 10yr DRIP, annual income (after tax)
$13,210,146,618,034,134.00/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, CLDB beats the other by $13,210,146,618,029,226.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CLDB: 50%FCPT: 50%
100% FCPT50/50100% CLDB
Portfolio after 10yr
$7807817104.33M
Annual income
$7,770,674,481,199,438.00/yr
Blended yield
99.52%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

CLDB
No analyst data
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)

CLDB buys
0
FCPT buys
0
No recent congressional trades found for CLDB or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCLDBFCPT
Forward yield40.19% ✓6.05%
Annual dividend / share$11.44 ✓$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓15.8%
Portfolio after 10y$15615634208.60M ✓$49.1K
Annual income after 10y$15,541,348,962,393,100.00 ✓$5,775.28
Total dividends collected$15610733571.37M ✓$24.1K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearCLDB PortfolioCLDB Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$18,738$8,038.11$11,401$700.92+$7.3K → CLDB
2$48,203$28,153.08$13,064$864.84+$35.1K → CLDB
3$186,946$135,369.00$15,051$1,072.48+$171.9K → CLDB
4$1,181,348$981,316.12$17,442$1,337.22+$1.16M → CLDB
5$12,854,934$11,590,891.30$20,340$1,677.08+$12.83M → CLDB
6$249,506,519$235,751,739.12$23,880$2,116.57+$249.48M → CLDB
7$8,819,867,463$8,552,895,488.39$28,241$2,689.36+$8819.84M → CLDB
8$574,555,785,428$565,118,527,242.66$33,660$3,442.07+$574555.75M → CLDB
9$69,425,463,746,547$68,810,689,056,138.34$40,456$4,439.95+$69425463.71M → CLDB
10$15,615,634,208,601,904$15,541,348,962,393,100.00$49,063$5,775.28+$15615634208.55M → CLDB

CLDB vs FCPT: Complete Analysis 2026

CLDB — Stock

Cortland Bancorp, Inc. is a bank holding company, which provides commercial and retail banking services through its subsidiary, The Cortland Savings and Banking Company. The company is headquartered in Cortland, Ohio and currently employs 144 full-time employees. The firm's principal activity is to own, manage and supervise The Cortland Savings and Banking Company (Cortland Banks or the Bank). The firm operates through the commercial banking segment. The Bank is a state chartered bank engaged in commercial and retail banking. The Bank's services include checking accounts, savings accounts, time deposit accounts, commercial, mortgage and installment loans, night depository, automated teller services, safe deposit boxes and other miscellaneous services. The Bank provides brokerage and investment services through an arrangement with Investment Professionals, Inc. Under this arrangement, financial advisors offer customers a range of investment products and services, such as estate planning, annuities, life insurance, fixed income, and equity securities and equity research and recommendations. The Bank, through Investment Professionals, Inc., also offers asset management services to customers.

Full CLDB 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.