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FISB vs O: Dividend Comparison 2026

FISB yields 14.29% · O yields 5.28%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 O wins by $12.0K in total portfolio value· pulled ahead in Year 5
10 years
FISB
FISB
● Live price
14.29%
Share price
$14.00
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.2K
Annual income
$1.58
Full FISB calculator →
O
Realty Income Corporation
● Live price
5.28%
Share price
$61.15
Annual div
$3.23
5Y div CAGR
15.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.2K
Annual income
$5,102.74
Full O calculator →

Portfolio growth — FISB vs O

📍 O pulled ahead of the other in Year 5

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 PeriodFISBO
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, FISB + O cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

FISB
Annual income on $10K today (after 15% tax)
$1,214.29/yr
After 10yr DRIP, annual income (after tax)
$1.34/yr
O
Annual income on $10K today (after 15% tax)
$449.12/yr
After 10yr DRIP, annual income (after tax)
$4,337.33/yr
At 15% tax rate, O beats the other by $4,335.99/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FISB + O for your $10,000?

FISB: 50%O: 50%
100% O50/50100% FISB
Portfolio after 10yr
$28.2K
Annual income
$2,552.16/yr
Blended yield
9.04%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on O right now

FISB
No analyst data
Altman Z
-0.5
Piotroski
3/9
O
Analyst Ratings
13
Buy
18
Hold
3
Sell
Consensus: Hold
Price Target
$64.00
+4.7% upside vs current
Range: $60.00 — $69.00
Altman Z
1.0
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)

FISB buys
0
O buys
0
No recent congressional trades found for FISB or O in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFISBO
Forward yield14.29% ✓5.28%
Annual dividend / share$2.00$3.23 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%15.1% ✓
Portfolio after 10y$22.2K$34.2K ✓
Annual income after 10y$1.58$5,102.74 ✓
Total dividends collected$1.5K$20.7K ✓
Payment frequencyquarterlymonthly
SectorStockREIT

Year-by-year: FISB vs O ($10,000, DRIP)

YearFISB PortfolioFISB Income/yrO PortfolioO Income/yrGap
1$11,414$714.29$10,818$608.16+$596.00 → FISB
2$12,594$380.98$11,787$741.68+$807.00 → FISB
3$13,672$196.43$12,946$911.00+$726.00 → FISB
4$14,729$99.65$14,345$1,127.94+$384.00 → FISB
5← crossover$15,810$50.16$16,056$1,409.05$246.00 → O
6$16,942$25.16$18,171$1,777.83$1.2K → O
7$18,141$12.60$20,820$2,268.21$2.7K → O
8$19,417$6.30$24,188$2,929.90$4.8K → O
9$20,779$3.15$28,533$3,837.11$7.8K → O
10$22,235$1.58$34,235$5,102.74$12.0K → O

FISB vs O: Complete Analysis 2026

FISB — Stock

1st Capital Bancorp operates as the bank holding company for 1st Capital Bank that provides various banking products and services for businesses, professionals, real estate investors, family commercial entities, and individuals in the Central Coast region of California. The company accepts various deposit products, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposits; and debit cards and check orders. It also offers consumer lending solutions; business, agriculture and wine industry, and commercial real estate lending products; personal loans for business owners; and small business administration and government guaranteed lending solutions. In addition, the company invests in securities; provides online, mobile, and telephone banking services; and offers remote check scanning, remote branch deposit, electronic bill payment, remote ACH origination, and remote wire transfer request, as well as cash management services. It serves customers through full-service branch offices in Monterey, Salinas, King City, San Luis Obispo, and Santa Cruz. The company was founded in 2007 and is headquartered in Salinas, California.

Full FISB Calculator →

O — REIT

Realty Income, The Monthly Dividend Company, is an S&P 500 company dedicated to providing stockholders with dependable monthly income. The company is structured as a REIT, and its monthly dividends are supported by the cash flow from over 6,500 real estate properties owned under long-term lease agreements with our commercial clients. To date, the company has declared 608 consecutive common stock monthly dividends throughout its 52-year operating history and increased the dividend 109 times since Realty Income's public listing in 1994 (NYSE: O). The company is a member of the S&P 500 Dividend Aristocrats index. Additional information about the company can be obtained from the corporate website at www.realtyincome.com.

Full O 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.