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FBMS vs ADC: Dividend Comparison 2026

FBMS yields 2.96% · ADC yields 4.13%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FBMS wins by $387.14M in total portfolio value
10 years
FBMS
FBMS
● Live price
2.96%
Share price
$33.81
Annual div
$1.00
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$387.32M
Annual income
$363,692,956.83
Full FBMS 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 — FBMS vs ADC

📍 FBMS 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 PeriodFBMSADC
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, FBMS + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FBMS
Annual income on $10K today (after 15% tax)
$251.40/yr
After 10yr DRIP, annual income (after tax)
$309,139,013.31/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, FBMS beats the other by $309,070,335.61/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FBMS: 50%ADC: 50%
100% ADC50/50100% FBMS
Portfolio after 10yr
$193.75M
Annual income
$181,886,877.06/yr
Blended yield
93.88%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

FBMS
Analyst Ratings
5
Buy
1
Hold
Consensus: Buy
Altman Z
-0.6
Piotroski
7/9
ADC
Analyst Ratings
1
Strong
22
Buy
9
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)

FBMS buys
0
ADC buys
0
No recent congressional trades found for FBMS or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFBMSADC
Forward yield2.96%4.13%
Annual dividend / share$1.00$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%40.4%
Portfolio after 10y$387.32M$178.9K
Annual income after 10y$363,692,956.83$80,797.29
Total dividends collected$385.56M$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT
Analyst consensusBuyBuy

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

YearFBMS PortfolioFBMS Income/yrADC PortfolioADC Income/yrGap
1← crossover$11,292$591.54$10,990$580.36+$302.00FBMS
2$13,330$1,248.49$12,301$860.26+$1.0KFBMS
3$17,019$2,755.00$14,104$1,298.62+$2.9KFBMS
4$24,784$6,574.25$16,691$2,008.16+$8.1KFBMS
5$44,414$17,895.47$20,580$3,205.09+$23.8KFBMS
6$107,467$59,943.28$26,754$5,330.02+$80.7KFBMS
7$386,094$271,104.28$37,196$9,345.14+$348.9KFBMS
8$2,233,664$1,820,543.70$56,244$17,523.09+$2.18MFBMS
9$22,076,697$19,686,676.88$94,286$35,736.21+$21.98MFBMS
10$387,315,023$363,692,956.83$178,949$80,797.29+$387.14MFBMS

FBMS vs ADC: Complete Analysis 2026

FBMSStock

The First Bancshares, Inc. operates as the bank holding company for The First, A National Banking Association that provides general commercial and retail banking services. The company operates through three segments: Commercial/Retail Bank, Mortgage Banking Division, and Holding Company. It offers deposit services, including checking, NOW, and savings accounts; other time deposits, such as daily money market accounts and longer-term certificates of deposit; and individual retirement and health savings accounts. The company also provides commercial loans comprising secured and unsecured loans for working capital, business expansion, and purchase of equipment and machinery; consumer loans consisting of equity lines of credit, as well as secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; and real estate construction and acquisition loans. In addition, it originates loans to purchase existing residential homes or construct new homes, and to refinance existing mortgages; and provides financial and wealth management services. Further, the company offers internet banking services, automated teller machines, voice response telephone inquiry services, commercial sweep accounts, cash management services, safe deposit boxes, merchant, mobile deposit, direct deposit of payroll and social security checks, automatic drafts for various accounts, and credit card services. It primarily serves small to medium-sized businesses, professional concerns, individuals, associations, organizations, and governmental authorities. As of December 31, 2021, the company operated 90 locations in Mississippi, Alabama, Florida, Georgia, and Louisiana. The First Bancshares, Inc. was incorporated in 1995 and is headquartered in Hattiesburg, Mississippi.

Full FBMS 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.