HomeCompareCZBT vs ADC

CZBT vs ADC: Dividend Comparison 2026

CZBT yields 3.04% · ADC yields 4.11%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $143.6K in total portfolio value· pulled ahead in Year 2
10 years
CZBT
CZBT
● Live price
3.04%
Share price
$37.50
Annual div
$1.14
5Y div CAGR
18%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$33.3K
Annual income
$2,491.80
Full CZBT 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 — CZBT vs ADC

📍 ADC pulled ahead of the other in Year 2

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 PeriodCZBTADC
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, CZBT + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CZBT
Annual income on $10K today (after 15% tax)
$258.40/yr
After 10yr DRIP, annual income (after tax)
$2,118.03/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 $65,582.13/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZBT: 50%ADC: 50%
100% ADC50/50100% CZBT
Portfolio after 10yr
$105.1K
Annual income
$41,069.52/yr
Blended yield
39.07%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

CZBT
No analyst data
Altman Z
0.4
Piotroski
6/9
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)

CZBT buys
0
ADC buys
7
PoliticianChamberTickerTypeAmountDate
Gilbert Cisneros🏢 House$ADC▼ Sell$15,001 - $50,0002026-01-15
Lisa McClain🏢 House$ADC▼ Sell$1,001 - $15,0002025-09-25
Lisa McClain🏢 House$ADC▲ Buy$1,001 - $15,0002025-08-13
Lisa McClain🏢 House$ADC▼ Sell$1,001 - $15,0002025-06-17
Lisa McClain🏢 House$ADC▼ Sell$1,001 - $15,0002025-06-17
Lisa McClain🏢 House$ADC▲ Buy$1,001 - $15,0002025-06-11
Lisa McClain🏢 House$ADC▲ Buy$1,001 - $15,0002025-06-11
Josh Gottheimer🏢 House$ADC▼ Sell$1,001 - $15,0002025-04-09
Josh Gottheimer🏢 House$ADC▲ Buy$1,001 - $15,0002024-04-15
Josh Gottheimer🏢 House$ADC▼ Sell$1,001 - $15,0002024-03-14
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBTADC
Forward yield3.04%4.11%
Annual dividend / share$1.14$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR18%40.4%
Portfolio after 10y$33.3K$176.9K
Annual income after 10y$2,491.80$79,647.25
Total dividends collected$11.1K$154.7K
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearCZBT PortfolioCZBT Income/yrADC PortfolioADC Income/yrGap
1$11,059$358.72$10,987$577.21+$72.00CZBT
2← crossover$12,270$437.48$12,293$855.34$23.00ADC
3$13,665$535.31$14,088$1,290.70$423.00ADC
4$15,278$657.42$16,660$1,994.91$1.4KADC
5$17,159$810.64$20,525$3,181.85$3.4KADC
6$19,364$1,003.99$26,654$5,286.90$7.3KADC
7$21,969$1,249.49$37,006$9,259.47$15.0KADC
8$25,070$1,563.32$55,862$17,338.74$30.8KADC
9$28,792$1,967.40$93,452$35,300.32$64.7KADC
10$33,299$2,491.80$176,931$79,647.25$143.6KADC

CZBT vs ADC: Complete Analysis 2026

CZBTStock

Citizens Bancorp of Virginia, Inc. operates as the bank holding company for Citizens Bank and Trust Company that provides commercial banking products and services to businesses and individuals in the United States. It accepts checking and savings, certificates of deposit, and individual retirement accounts, as well as provides credit cards. The company also provides commercial loans, such as commercial real estate mortgages and construction loans, small business working capital loans, small business lines of credit, SBA guaranteed loans, and investment property loans. In addition, it offers consumer loans, including automobile, signature, boat, and personal property loans; and real estate loans comprising home equity lines of credit, fixed rate mortgages, adjustable rate mortgages, conventional and jumbo loan programs, first-time home buyer programs, home improvement loans, bridge loans, new home construction loans, and commercial construction loans, as well as second homes/vacation properties, investment, commercial, industrial, and apartment loans. Further, the company provides merchant services; and investment and brokerage services. It operates in Virginia counties of Nottoway, Amelia, Prince Edward, Brunswick, Buckingham, Charlotte, Chesterfield, Cumberland, Dinwiddie, Lunenburg, Mecklenburg, and Powhatan; and the cities of Colonial Heights, Richmond, and Petersburg. The company was founded in 1873 and is headquartered in Blackstone, Virginia.

Full CZBT 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.