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FBMS vs MCD: Dividend Comparison 2026

FBMS yields 2.96% · MCD yields 2.34%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FBMS wins by $387.24M 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 →
MCD
McDonald's Corporation
● Live price
2.34%
Share price
$310.79
Annual div
$7.26
5Y div CAGR
42.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$25,833.37
Full MCD calculator →

Portfolio growth — FBMS vs MCD

📍 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 PeriodFBMSMCD
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%.
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Dividend Calendar Overlap

Combined, FBMS + MCD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
FBMS pays
MCD 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
MCD
Annual income on $10K today (after 15% tax)
$198.56/yr
After 10yr DRIP, annual income (after tax)
$21,958.36/yr
At 15% tax rate, FBMS beats the other by $309,117,054.94/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FBMS: 50%MCD: 50%
100% MCD50/50100% FBMS
Portfolio after 10yr
$193.70M
Annual income
$181,859,395.10/yr
Blended yield
93.89%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

FBMS
Analyst Ratings
5
Buy
1
Hold
Consensus: Buy
Altman Z
-0.6
Piotroski
7/9
MCD
Analyst Ratings
37
Buy
23
Hold
1
Sell
Consensus: Buy
Price Target
$351.76
+13.2% upside vs current
Range: $320.00 — $385.00
Altman Z
4.9
Piotroski
5/9
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
MCD buys
0
No recent congressional trades found for FBMS or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFBMSMCD
Forward yield2.96%2.34%
Annual dividend / share$1.00$7.26
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%42.3%
Portfolio after 10y$387.32M$77.7K
Annual income after 10y$363,692,956.83$25,833.37
Total dividends collected$385.56M$57.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary
Analyst consensusBuyBuy

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

YearFBMS PortfolioFBMS Income/yrMCD PortfolioMCD Income/yrGap
1← crossover$11,292$591.54$10,812$332.41+$480.00FBMS
2$13,330$1,248.49$11,819$488.02+$1.5KFBMS
3$17,019$2,755.00$13,111$724.37+$3.9KFBMS
4$24,784$6,574.25$14,832$1,091.05+$10.0KFBMS
5$44,414$17,895.47$17,219$1,675.85+$27.2KFBMS
6$107,467$59,943.28$20,688$2,641.85+$86.8KFBMS
7$386,094$271,104.28$25,990$4,309.70+$360.1KFBMS
8$2,233,664$1,820,543.70$34,590$7,351.77+$2.20MFBMS
9$22,076,697$19,686,676.88$49,535$13,285.25+$22.03MFBMS
10$387,315,023$363,692,956.83$77,746$25,833.37+$387.24MFBMS

FBMS vs MCD: 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 →

MCDConsumer Discretionary

McDonald's Corporation operates and franchises McDonald's restaurants in the United States and internationally. Its restaurants offer hamburgers and cheeseburgers, chicken sandwiches and nuggets, wraps, fries, salads, oatmeal, shakes, desserts, sundaes, soft serve cones, bakery items, soft drinks, coffee, and beverages and other beverages, as well as breakfast menu, including biscuit and bagel sandwiches, breakfast burritos, hotcakes, and other sandwiches. As of December 31, 2021, the company operated 40,031 restaurants. McDonald's Corporation was founded in 1940 and is headquartered in Chicago, Illinois.

Full MCD 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.