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FLIC vs ADC: Dividend Comparison 2026

FLIC yields 7.08% · ADC yields 4.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $107.3K in total portfolio value· pulled ahead in Year 7
10 years
FLIC
FLIC
● Live price
7.08%
Share price
$11.87
Annual div
$0.84
5Y div CAGR
19.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$71.6K
Annual income
$12,868.22
Full FLIC 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 — FLIC vs ADC

📍 ADC pulled ahead of the other in Year 7

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 PeriodFLICADC
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, FLIC + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FLIC
Annual income on $10K today (after 15% tax)
$601.52/yr
After 10yr DRIP, annual income (after tax)
$10,937.99/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 $57,739.71/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FLIC: 50%ADC: 50%
100% ADC50/50100% FLIC
Portfolio after 10yr
$125.3K
Annual income
$46,832.76/yr
Blended yield
37.38%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

FLIC
Analyst Ratings
1
Buy
6
Hold
Consensus: Hold
Price Target
$20.00
+68.5% upside vs current
Range: $20.00 — $20.00
Altman Z
-0.6
Piotroski
6/9
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)

FLIC buys
0
ADC buys
0
No recent congressional trades found for FLIC or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFLICADC
Forward yield7.08%4.13%
Annual dividend / share$0.84$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.8%40.4%
Portfolio after 10y$71.6K$178.9K
Annual income after 10y$12,868.22$80,797.29
Total dividends collected$44.0K$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT
Analyst consensusHoldBuy
Analyst price target$20.00$81.06

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

YearFLIC PortfolioFLIC Income/yrADC PortfolioADC Income/yrGap
1$11,548$847.78$10,990$580.36+$558.00FLIC
2$13,452$1,096.12$12,301$860.26+$1.2KFLIC
3$15,824$1,429.64$14,104$1,298.62+$1.7KFLIC
4$18,814$1,882.82$16,691$2,008.16+$2.1KFLIC
5$22,637$2,506.45$20,580$3,205.09+$2.1KFLIC
6$27,599$3,376.59$26,754$5,330.02+$845.00FLIC
7← crossover$34,140$4,609.05$37,196$9,345.14$3.1KADC
8$42,913$6,383.44$56,244$17,523.09$13.3KADC
9$54,900$8,983.73$94,286$35,736.21$39.4KADC
10$71,612$12,868.22$178,949$80,797.29$107.3KADC

FLIC vs ADC: Complete Analysis 2026

FLICStock

The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island that provides financial services to small and medium-sized businesses, professionals, consumers, municipalities, and other organizations. The company offers business and small business checking, personal checking, negotiable order of withdrawal, interest on lawyer, escrow service, rent security, personal and nonpersonal money market, savings, time deposit, holiday club, and individual retirement accounts. It also provides commercial and residential mortgage, commercial and industrial, small business credit scored, Small Business Administration, construction and land development, consumer, and home equity lines of credit/loans, as well as commercial and standby letters of credit; debit or credit cards; and overdraft facilities. In addition, the company offers life insurance, trust, estate and custody, retail investment, bill payment, lockbox, ACH, safe deposit box rental, wire transfer, money order, checkbook printing, check, ATM, and online and mobile banking services, as well as investment securities, management, and advisory services. It operates 40 branches, including 17 branches in Nassau, 15 in Suffolk, 5 in Queens, 2 in Brooklyn, and 1 in Manhattan. The company was founded in 1927 and is headquartered in Glen Head, New York.

Full FLIC 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.