Is CYSM or ADC a better dividend investment in 2026?

CYSM currently yields 1.54% with a 5% 5-year dividend growth rate. ADC yields 4.13% with 5.2% growth. The better choice depends on your goal: ADC offers higher current income.

What is the dividend yield difference between CYSM and ADC?

CYSM has a forward dividend yield of 1.54% ($0.30/share annually). ADC yields 4.13% ($3.10/share annually). The yield gap is 2.59 percentage points.

Home › Compare › CYSM vs ADC

CYSM vs ADC: Dividend Comparison 2026

CYSM yields 1.54% · ADC yields 4.13%● Live data

vsPost on X →

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

🏆 CYSM wins by $21.80M in total portfolio value

INVESTMENT

TIME HORIZON10 years

CYSM

● Live price

1.54%

Share price

$19.45

Annual div

$0.30

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.98M

Annual income

$19,547,470.13

Full CYSM 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 — CYSM vs ADC

📍 CYSM 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	CYSM	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%.

📅

Dividend Calendar Overlap

Combined, CYSM + ADC cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CYSM pays

ADC pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CYSM

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

$131.11/yr

After 10yr DRIP, annual income (after tax)

$16,615,349.61/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, CYSM beats the other by $16,546,671.91/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CYSM: 50%ADC: 50%

100% ADC50/50100% CYSM

Portfolio after 10yr

$11.08M

Annual income

$9,814,133.72/yr

Blended yield

88.57%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

CYSM

No analyst data

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)

CYSM buys

ADC buys

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

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

MetricCYSMADC

Forward yield	1.54%	4.13% ✓
Annual dividend / share	$0.30	$3.10 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	40.4%
Portfolio after 10y	$21.98M	$178.9K ✓
Annual income after 10y	$19,547,470.13 ✓	$80,797.29
Total dividends collected	$21.77M	$156.7K ✓
Payment frequency	quarterly	monthly
Sector	Stock	REIT

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

Year	CYSM Portfolio	CYSM Income/yr	ADC Portfolio	ADC Income/yr	Gap
1← crossover	$11,008	$308.48	$10,990	$580.36	+$18.00 → CYSM
2	$12,414	$634.75	$12,301	$860.26	+$113.00 → CYSM
3	$14,621	$1,337.92	$14,104	$1,298.62	+$517.00 → CYSM
4	$18,590	$2,945.36	$16,691	$2,008.16	+$1.9K → CYSM
5	$26,891	$6,999.79	$20,580	$3,205.09	+$6.3K → CYSM
6	$47,699	$18,926.18	$26,754	$5,330.02	+$20.9K → CYSM
7	$113,789	$62,750.80	$37,196	$9,345.14	+$76.6K → CYSM
8	$401,559	$279,804.63	$56,244	$17,523.09	+$345.3K → CYSM
9	$2,275,322	$1,845,654.63	$94,286	$35,736.21	+$2.18M → CYSM
10	$21,982,065	$19,547,470.13	$178,949	$80,797.29	+$21.80M → CYSM

CYSM vs ADC: Complete Analysis 2026

CYSM — Stock

Community Bancorp of Santa Maria, through its subsidiary, Community Bank of Santa Maria, provides various banking products and services for businesses and individuals. The company's deposit products include checking, NOW, money market savings, savings, seedling, Christmas Club, individual retirement, and CDARS accounts; and certificates of deposit. Its loan portfolio comprises home equity lines of credit, personal and commercial real estate loans, commercial construction loans, personal and vehicle loans, mortgage loans, agribusiness loans, commercial equipment loans, commercial and multi-family real estate loans, and commercial revolving lines of credit, as well as Redi-Credit. The company also provides credit and debit cards; and e-banking services. It operates through 2 full-service offices in the Central Coast area of California. The company was founded in 2001 and is based in Santa Maria, California.

Full CYSM 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 →

📬

Get this CYSM vs ADC comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CYSM vs SCHD CYSM vs JEPI CYSM vs O CYSM vs KO CYSM vs MAIN CYSM vs NNN CYSM vs EPRT CYSM 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.