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ESSA vs FCPT: Dividend Comparison 2026

ESSA yields 2.91% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ESSA wins by $330.6K in total portfolio value· pulled ahead in Year 4
10 years
ESSA
ESSA
● Live price
2.91%
Share price
$20.61
Annual div
$0.60
5Y div CAGR
55.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$379.6K
Annual income
$210,681.63
Full ESSA 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 — ESSA vs FCPT

📍 ESSA pulled ahead of the other in Year 4

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 PeriodESSAFCPT
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, ESSA + FCPT cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

ESSA
Annual income on $10K today (after 15% tax)
$247.45/yr
After 10yr DRIP, annual income (after tax)
$179,079.39/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, ESSA beats the other by $174,170.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ESSA: 50%FCPT: 50%
100% FCPT50/50100% ESSA
Portfolio after 10yr
$214.3K
Annual income
$108,228.46/yr
Blended yield
50.49%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

ESSA
Analyst Ratings
2
Hold
Consensus: Hold
Altman Z
-0.8
Piotroski
5/9
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)

ESSA buys
0
FCPT buys
0
No recent congressional trades found for ESSA or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESSAFCPT
Forward yield2.91%6.05% ✓
Annual dividend / share$0.60$1.43 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR55.8% ✓15.8%
Portfolio after 10y$379.6K ✓$49.1K
Annual income after 10y$210,681.63 ✓$5,775.28
Total dividends collected$341.3K ✓$24.1K
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusHoldHold

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

YearESSA PortfolioESSA Income/yrFCPT PortfolioFCPT Income/yrGap
1$11,154$453.57$11,401$700.92$247.00 → FCPT
2$12,671$736.61$13,064$864.84$393.00 → FCPT
3$14,776$1,218.47$15,051$1,072.48$275.00 → FCPT
4← crossover$17,880$2,068.99$17,442$1,337.22+$438.00 → ESSA
5$22,777$3,645.32$20,340$1,677.08+$2.4K → ESSA
6$31,133$6,761.58$23,880$2,116.57+$7.3K → ESSA
7$46,769$13,457.28$28,241$2,689.36+$18.5K → ESSA
8$79,479$29,436.46$33,660$3,442.07+$45.8K → ESSA
9$157,882$72,839.13$40,456$4,439.95+$117.4K → ESSA
10$379,615$210,681.63$49,063$5,775.28+$330.6K → ESSA

ESSA vs FCPT: Complete Analysis 2026

ESSA — Stock

ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania. The company accepts savings accounts, interest bearing demand accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs, and other qualified plan accounts, as well as commercial checking accounts. Its loan portfolio includes first mortgage loans for the purchase, construction, or refinancing of one- to four-family residential real estate property; commercial real estate loans; home equity loans and lines of credit; and commercial and other consumer loans, as well as loans secured by deposits and personal unsecured loans. In addition, the company offers insurance benefits consulting services, such as health insurance, life insurance, short term and long term disability, dental, vision, 401(K) retirement planning, and individual health products, as well as asset management and trust, and investment services. As of September 30, 2021, it operated 21 community offices, including seven offices in Monroe County, three offices in Lehigh County, five offices in Northampton County, one office in Lackawanna County, one office in Luzerne County, one office in Chester County, two offices in Delaware County, and one office in Montgomery County, Pennsylvania. The company was founded in 1916 and is headquartered in Stroudsburg, Pennsylvania.

Full ESSA 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.