Is FMBL or FCPT a better dividend investment in 2026?

FMBL currently yields 1.35% 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 FMBL and FCPT?

FMBL has a forward dividend yield of 1.35% ($112.00/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 4.70 percentage points.

Home › Compare › FMBL vs FCPT

FMBL vs FCPT: Dividend Comparison 2026

FMBL yields 1.35% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 FCPT wins by $27.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FMBL

● Live price

1.35%

Share price

$8,275.00

Annual div

$112.00

5Y div CAGR

3.4%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$22.0K

Annual income

$209.49

Full FMBL 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 — FMBL vs FCPT

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FMBL pays

FCPT pays

Both pay

Neither

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Tax Bracket Optimizer

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

FMBL

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

$115.05/yr

After 10yr DRIP, annual income (after tax)

$178.07/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 $4,730.92/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 FMBL + FCPT for your $10,000?

FMBL: 50%FCPT: 50%

100% FCPT50/50100% FMBL

Portfolio after 10yr

$35.5K

Annual income

$2,992.38/yr

Blended yield

8.42%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

FMBL

No analyst data

Altman Z

0.0

Piotroski

6/9

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FMBL buys

FCPT buys

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

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

MetricFMBLFCPT

Forward yield	1.35%	6.05% ✓
Annual dividend / share	$112.00 ✓	$1.43
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	3.4%	15.8% ✓
Portfolio after 10y	$22.0K	$49.1K ✓
Annual income after 10y	$209.49	$5,775.28 ✓
Total dividends collected	$1.7K	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

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

Year	FMBL Portfolio	FMBL Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$10,840	$139.95	$11,401	$700.92	$561.00 → FCPT
2	$11,745	$146.60	$13,064	$864.84	$1.3K → FCPT
3	$12,721	$153.50	$15,051	$1,072.48	$2.3K → FCPT
4	$13,772	$160.66	$17,442	$1,337.22	$3.7K → FCPT
5	$14,904	$168.08	$20,340	$1,677.08	$5.4K → FCPT
6	$16,123	$175.78	$23,880	$2,116.57	$7.8K → FCPT
7	$17,436	$183.76	$28,241	$2,689.36	$10.8K → FCPT
8	$18,848	$192.03	$33,660	$3,442.07	$14.8K → FCPT
9	$20,368	$200.60	$40,456	$4,439.95	$20.1K → FCPT
10	$22,004	$209.49	$49,063	$5,775.28	$27.1K → FCPT

FMBL vs FCPT: Complete Analysis 2026

FMBL — Stock

Farmers & Merchants Bank of Long Beach provides various banking products and services to individuals, professionals, and small to medium-sized businesses. It offers checking, savings, Christmas club savings, health savings, money market, and investment accounts; demand and time deposits; certificates of deposit; and retirement plans. The company also provides personal, home, small business administration, commercial real estate, real estate and construction, and commercial business loans, as well as lines of credit; financing for residential loans comprising single-family and multifamily loans; and credit, debit, and gift cards. In addition, it offers account management, receivables and payables, and risk management services; and merchant, electronic lockbox, mobile and remote deposit capture, digital wallet, direct deposit, escrow, faith-based and healthcare banking, and other services, as well as online and mobile banking services. As of December 31, 2021, the company operated 25 branches in Los Angeles, Orange, and Santa Barbara Counties. Farmers & Merchants Bank of Long Beach was incorporated in 1907 and is headquartered in Long Beach, California.

Full FMBL 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.