Is FRFC or DVY a better dividend investment in 2026?

FRFC currently yields 2.16% with a 5% 5-year dividend growth rate. DVY yields 4.00% with 5% growth. The better choice depends on your goal: DVY offers higher current income.

What is the dividend yield difference between FRFC and DVY?

FRFC has a forward dividend yield of 2.16% ($1.40/share annually). DVY yields 4.00% ($2.00/share annually). The yield gap is 1.84 percentage points.

Home › Compare › FRFC vs DVY

FRFC vs DVY: Dividend Comparison 2026

FRFC yields 2.16% · DVY yields 4.00%● Live data

vsPost on X →

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

🏆 DVY wins by $2.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FRFC

● Live price

2.16%

Share price

$64.90

Annual div

$1.40

5Y div CAGR

10.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$711.98

Full FRFC calculator →

DVY

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full DVY calculator →

Portfolio growth — FRFC vs DVY

📍 DVY 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	FRFC	DVY
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, FRFC + DVY cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FRFC pays

DVY pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FRFC

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

$183.36/yr

After 10yr DRIP, annual income (after tax)

$605.18/yr

DVY

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

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, DVY beats the other by $159.13/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FRFC + DVY for your $10,000?

FRFC: 50%DVY: 50%

100% DVY50/50100% FRFC

Portfolio after 10yr

$26.7K

Annual income

$805.59/yr

Blended yield

3.02%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FRFC buys

DVY buys

No recent congressional trades found for FRFC or DVY in the last 90 days.

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

MetricFRFCDVY

Forward yield	2.16%	4.00% ✓
Annual dividend / share	$1.40	$2.00 ✓
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	10.2% ✓	5%
Portfolio after 10y	$25.3K	$28.0K ✓
Annual income after 10y	$711.98	$899.19 ✓
Total dividends collected	$4.4K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: FRFC vs DVY ($10,000, DRIP)

Year	FRFC Portfolio	FRFC Income/yr	DVY Portfolio	DVY Income/yr	Gap
1← crossover	$10,938	$237.72	$11,120	$420.00	$182.00 → DVY
2	$11,971	$267.79	$12,357	$458.31	$386.00 → DVY
3	$13,111	$301.85	$13,721	$499.76	$610.00 → DVY
4	$14,369	$340.48	$15,227	$544.58	$858.00 → DVY
5	$15,759	$384.32	$16,885	$593.02	$1.1K → DVY
6	$17,297	$434.10	$18,713	$645.34	$1.4K → DVY
7	$18,998	$490.70	$20,724	$701.81	$1.7K → DVY
8	$20,883	$555.09	$22,938	$762.73	$2.1K → DVY
9	$22,973	$628.41	$25,372	$828.41	$2.4K → DVY
10	$25,293	$711.98	$28,047	$899.19	$2.8K → DVY

FRFC vs DVY: Complete Analysis 2026

FRFC — Stock

First Robinson Financial Corporation operates as the holding company for First Robinson Savings Bank, National Association that provides various banking products and financial services to individual and corporate customers. The company offers various deposit products, including checking, savings, money market, and individual retirement accounts; direct deposits; and certificates of deposit. Its loan portfolio comprises personal, home mortgage, home equity, auto, business term, agricultural, and commercial real estate loans, as well as business lines of credit. The company also offers ATM and debit card, mobile deposit, online and mobile banking, bill pay, credit card, e-statement, money transfer, wire transfer, notary, night depository, coin counting, fax, money orders, bounce protection, merchant card, and cash management services; and safe deposit boxes, cashier's checks, and trust and investment services. It operates 5 full-service offices; and serves customers in Crawford and surrounding counties in Illinois; and Knox and surrounding counties in Indiana. The company was incorporated in 1997 and is headquartered in Robinson, Illinois.

Full FRFC Calculator →

DVY — ETF

DVY is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in DVY shares.

Full DVY 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.