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FFMH vs ADC: Dividend Comparison 2026

FFMH yields 2.11% · ADC yields 4.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $138.7K in total portfolio value
10 years
FFMH
FFMH
● Live price
2.11%
Share price
$52.99
Annual div
$1.12
5Y div CAGR
30.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.2K
Annual income
$5,472.55
Full FFMH 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 — FFMH vs ADC

📍 ADC pulled ahead of the other in Year 1

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 PeriodFFMHADC
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, FFMH + ADC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

FFMH
Annual income on $10K today (after 15% tax)
$179.66/yr
After 10yr DRIP, annual income (after tax)
$4,651.67/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, ADC beats the other by $64,026.03/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FFMH: 50%ADC: 50%
100% ADC50/50100% FFMH
Portfolio after 10yr
$109.6K
Annual income
$43,134.93/yr
Blended yield
39.36%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

FFMH
No analyst data
Altman Z
-0.7
Piotroski
5/9
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)

FFMH buys
0
ADC buys
0
No recent congressional trades found for FFMH or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFFMHADC
Forward yield2.11%4.13% ✓
Annual dividend / share$1.12$3.10 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.8%40.4% ✓
Portfolio after 10y$40.2K$178.9K ✓
Annual income after 10y$5,472.55$80,797.29 ✓
Total dividends collected$17.6K$156.7K ✓
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearFFMH PortfolioFFMH Income/yrADC PortfolioADC Income/yrGap
1← crossover$10,976$276.46$10,990$580.36$14.00 → ADC
2$12,116$370.95$12,301$860.26$185.00 → ADC
3$13,464$500.53$14,104$1,298.62$640.00 → ADC
4$15,087$679.97$16,691$2,008.16$1.6K → ADC
5$17,074$931.38$20,580$3,205.09$3.5K → ADC
6$19,558$1,288.53$26,754$5,330.02$7.2K → ADC
7$22,731$1,804.27$37,196$9,345.14$14.5K → ADC
8$26,886$2,563.46$56,244$17,523.09$29.4K → ADC
9$32,474$3,706.39$94,286$35,736.21$61.8K → ADC
10$40,220$5,472.55$178,949$80,797.29$138.7K → ADC

FFMH vs ADC: Complete Analysis 2026

FFMH — Stock

First Farmers and Merchants Corporation operates as the bank holding company for First Farmers and Merchants Bank that provides various banking and financial services in Tennessee and Alabama. The company's deposit products include personal and business checking and savings, and individual retirement and investment accounts, as well as certificates of deposit. Its loan portfolio comprises personal mortgages; home equity lines of credit; debit and credit cards; personal, auto, and farmer loans; and business loans, such as commercial mortgages, equipment lending and leasing, construction lending, accounts receivable financing, lines of credit, and other products. The company also offers wealth management services, such as trust and investment services; and treasury management solutions, which include accounts receivable and payable, fraud prevention, and account management solutions, as well as online and mobile banking services. It operates 22 branch offices in seven Middle Tennessee counties. The company was founded in 1909 and is based in Columbia, Tennessee.

Full FFMH Calculator →

ADC — REIT

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.