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CZBT vs FCPT: Dividend Comparison 2026

CZBT yields 3.04% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 FCPT wins by $15.8K in total portfolio value
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 →
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 — CZBT 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 PeriodCZBTFCPT
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 + FCPT cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
CZBT pays
FCPT pays
Both pay
Neither
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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
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 $2,790.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZBT: 50%FCPT: 50%
100% FCPT50/50100% CZBT
Portfolio after 10yr
$41.2K
Annual income
$4,133.54/yr
Blended yield
10.04%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

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

CZBT buys
0
FCPT buys
0
No recent congressional trades found for CZBT or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBTFCPT
Forward yield3.04%6.05% ✓
Annual dividend / share$1.14$1.43 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR18% ✓15.8%
Portfolio after 10y$33.3K$49.1K ✓
Annual income after 10y$2,491.80$5,775.28 ✓
Total dividends collected$11.1K$24.1K ✓
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearCZBT PortfolioCZBT Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$11,059$358.72$11,401$700.92$342.00 → FCPT
2$12,270$437.48$13,064$864.84$794.00 → FCPT
3$13,665$535.31$15,051$1,072.48$1.4K → FCPT
4$15,278$657.42$17,442$1,337.22$2.2K → FCPT
5$17,159$810.64$20,340$1,677.08$3.2K → FCPT
6$19,364$1,003.99$23,880$2,116.57$4.5K → FCPT
7$21,969$1,249.49$28,241$2,689.36$6.3K → FCPT
8$25,070$1,563.32$33,660$3,442.07$8.6K → FCPT
9$28,792$1,967.40$40,456$4,439.95$11.7K → FCPT
10$33,299$2,491.80$49,063$5,775.28$15.8K → FCPT

CZBT vs FCPT: Complete Analysis 2026

CZBT — Stock

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 →

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.