Is FIZN or FCPT a better dividend investment in 2026?

FIZN currently yields 1.87% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: FCPT offers higher current income.

What is the dividend yield difference between FIZN and FCPT?

FIZN has a forward dividend yield of 1.87% ($1.40/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 4.18 percentage points.

Home › Compare › FIZN vs FCPT

FIZN vs FCPT: Dividend Comparison 2026

FIZN yields 1.87% · FCPT yields 6.05%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 FCPT wins by $27.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FIZN

● Live price

1.87%

Share price

$75.01

Annual div

$1.40

5Y div CAGR

-5.6%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.7K

Annual income

$115.23

Full FIZN calculator →

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 — FIZN vs FCPT

📍 FCPT 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 Period	FIZN	FCPT
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, FIZN + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FIZN pays

FCPT pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FIZN

Annual income on $10K today (after 15% tax)

$158.65/yr

After 10yr DRIP, annual income (after tax)

$97.95/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, FCPT beats the other by $4,811.04/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

FIZN: 50%FCPT: 50%

100% FCPT50/50100% FIZN

Portfolio after 10yr

$35.4K

Annual income

$2,945.25/yr

Blended yield

8.32%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

FIZN

No analyst data

Altman Z

0.2

Piotroski

4/9

FCPT

Analyst Ratings

Buy

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)

FIZN buys

FCPT buys

No recent congressional trades found for FIZN or FCPT in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricFIZNFCPT

Forward yield	1.87%	6.05% ✓
Annual dividend / share	$1.40	$1.43 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-5.6%	15.8% ✓
Portfolio after 10y	$21.7K	$49.1K ✓
Annual income after 10y	$115.23	$5,775.28 ✓
Total dividends collected	$1.4K	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

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

Year	FIZN Portfolio	FIZN Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$10,876	$176.19	$11,401	$700.92	$525.00 → FCPT
2	$11,807	$169.06	$13,064	$864.84	$1.3K → FCPT
3	$12,795	$161.91	$15,051	$1,072.48	$2.3K → FCPT
4	$13,845	$154.80	$17,442	$1,337.22	$3.6K → FCPT
5	$14,962	$147.79	$20,340	$1,677.08	$5.4K → FCPT
6	$16,151	$140.90	$23,880	$2,116.57	$7.7K → FCPT
7	$17,415	$134.18	$28,241	$2,689.36	$10.8K → FCPT
8	$18,762	$127.65	$33,660	$3,442.07	$14.9K → FCPT
9	$20,197	$121.33	$40,456	$4,439.95	$20.3K → FCPT
10	$21,726	$115.23	$49,063	$5,775.28	$27.3K → FCPT

FIZN vs FCPT: Complete Analysis 2026

FIZN — Stock

First Citizens Bancshares, Inc., through its subsidiary, First Citizens National Bank, provides various commercial banking services to individuals and corporate customer to in the mid-southern United States. The company offers checking and savings deposits, as well as certificates of deposit; and residential, commercial, and consumer lending products. It also provides personal and home loans; and home equity line of credit. In addition, the company provides commercial real estate, construction and facility, equipment financing, residential development and construction, operating loans and lines of credit, and SBA and United States department of agriculture (USDA) loans, as well as debit and credit card services. Further, it offers home purchase and refinancing, and reverse mortgages; mobile, telephone/text, and online banking services; e-statements; investment, insurance, and retirement and benefit services; and trust, overdraft, identity theft protection, and treasury services, as well as safe deposit boxes. First Citizens Bancshares, Inc. was founded in 1889 and is headquartered in Dyersburg, Tennessee.

Full FIZN 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 →

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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.