Is FSBH or FCPT a better dividend investment in 2026?

FSBH currently yields 12.50% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: FSBH offers higher current income.

What is the dividend yield difference between FSBH and FCPT?

FSBH has a forward dividend yield of 12.50% ($2.00/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 6.45 percentage points.

Home › Compare › FSBH vs FCPT

FSBH vs FCPT: Dividend Comparison 2026

FSBH yields 12.50% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 FCPT wins by $3.5K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

FSBH

● Live price

12.50%

Share price

$16.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.6K

Annual income

$2,723.30

Full FSBH 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 — FSBH vs FCPT

📍 FCPT pulled ahead of the other in Year 9

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	FSBH	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, FSBH + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FSBH 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.

FSBH

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

$1,062.50/yr

After 10yr DRIP, annual income (after tax)

$2,314.81/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 $2,594.18/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 FSBH + FCPT for your $10,000?

FSBH: 50%FCPT: 50%

100% FCPT50/50100% FSBH

Portfolio after 10yr

$47.3K

Annual income

$4,249.29/yr

Blended yield

8.98%

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Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

FSBH

No analyst data

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)

FSBH buys

FCPT buys

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

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

MetricFSBHFCPT

Forward yield	12.50% ✓	6.05%
Annual dividend / share	$2.00 ✓	$1.43
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	15.8% ✓
Portfolio after 10y	$45.6K	$49.1K ✓
Annual income after 10y	$2,723.30	$5,775.28 ✓
Total dividends collected	$19.7K	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

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

Year	FSBH Portfolio	FSBH Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1	$11,950	$1,250.00	$11,401	$700.92	+$549.00 → FSBH
2	$14,183	$1,396.03	$13,064	$864.84	+$1.1K → FSBH
3	$16,724	$1,548.45	$15,051	$1,072.48	+$1.7K → FSBH
4	$19,601	$1,706.45	$17,442	$1,337.22	+$2.2K → FSBH
5	$22,842	$1,869.18	$20,340	$1,677.08	+$2.5K → FSBH
6	$26,477	$2,035.76	$23,880	$2,116.57	+$2.6K → FSBH
7	$30,536	$2,205.33	$28,241	$2,689.36	+$2.3K → FSBH
8	$35,050	$2,377.00	$33,660	$3,442.07	+$1.4K → FSBH
9← crossover	$40,053	$2,549.93	$40,456	$4,439.95	$403.00 → FCPT
10	$45,580	$2,723.30	$49,063	$5,775.28	$3.5K → FCPT

FSBH vs FCPT: Complete Analysis 2026

FSBH — Stock

FSBH Corp. operates as the bank holding company for First Southern Bank that provides banking services for individuals and corporate customers. The company offers checking, money market, savings, and certificates of deposit/IRAs, as well as overdrafts; and personal loan products, such as consumer, personal lines of credit, construction, mortgage, mobile home, home equity, and CD secured loans. It also provides commercial, commercial real estate, small business, agriculture, line of credit, and equipment loans; and ACH cash management, business online banking and bill pay, remote deposit capture, eStatement, merchant, and online cash management services. In addition, the company offers money transfer and payment, as well as mobile and telephone banking services, as well as credit cards and insurance. It operates 5 branches serving the areas of Southern Georgia and West Central Florida. The company was founded in 1907 and is based in Waycross, Georgia.

Full FSBH 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.