Home › Compare › EXCH vs FCPT

EXCH vs FCPT: Dividend Comparison 2026

EXCH yields 2.23% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 EXCH wins by $421.5K in total portfolio value· pulled ahead in Year 5
10 years
EXCH
EXCH
● Live price
2.23%
Share price
$70.00
Annual div
$1.56
5Y div CAGR
63.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$470.6K
Annual income
$284,397.12
Full EXCH 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 — EXCH vs FCPT

📍 EXCH pulled ahead of the other in Year 5

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 PeriodEXCHFCPT
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, EXCH + FCPT cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

EXCH
Annual income on $10K today (after 15% tax)
$189.43/yr
After 10yr DRIP, annual income (after tax)
$241,737.55/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, EXCH beats the other by $236,828.56/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

EXCH: 50%FCPT: 50%
100% FCPT50/50100% EXCH
Portfolio after 10yr
$259.8K
Annual income
$145,086.20/yr
Blended yield
55.84%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

EXCH
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)

EXCH buys
0
FCPT buys
0
No recent congressional trades found for EXCH or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEXCHFCPT
Forward yield2.23%6.05% ✓
Annual dividend / share$1.56 ✓$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR63.3% ✓15.8%
Portfolio after 10y$470.6K ✓$49.1K
Annual income after 10y$284,397.12 ✓$5,775.28
Total dividends collected$431.3K ✓$24.1K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearEXCH PortfolioEXCH Income/yrFCPT PortfolioFCPT Income/yrGap
1$11,064$363.93$11,401$700.92$337.00 → FCPT
2$12,453$614.50$13,064$864.84$611.00 → FCPT
3$14,380$1,055.57$15,051$1,072.48$671.00 → FCPT
4$17,247$1,860.31$17,442$1,337.22$195.00 → FCPT
5← crossover$21,860$3,405.17$20,340$1,677.08+$1.5K → EXCH
6$29,976$6,586.68$23,880$2,116.57+$6.1K → EXCH
7$45,860$13,785.00$28,241$2,689.36+$17.6K → EXCH
8$81,256$32,185.58$33,660$3,442.07+$47.6K → EXCH
9$173,977$87,033.18$40,456$4,439.95+$133.5K → EXCH
10$470,552$284,397.12$49,063$5,775.28+$421.5K → EXCH

EXCH vs FCPT: Complete Analysis 2026

EXCH — Stock

Exchange Bankshares, Inc. operates as the holding company for Exchange Bank that provides personal and business banking products and services in Georgia. It offers checking and savings accounts; and mortgage, real estate, consumer, commercial, and home equity loans. The company also provides cash management, internet and mobile banking, travel club, bill payment, and merchant services, as well as credit cards. In addition, it offers investment management, financial advising, insurance and annuity products, retirement planning, retirement plan rollovers, business retirement plans, and life insurance services. The company was founded in 1903 and is based in Milledgeville, Georgia.

Full EXCH 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 →
📬

Get this EXCH vs FCPT comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

EXCH vs SCHDEXCH vs JEPIEXCH vs OEXCH vs KOEXCH vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.