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HBSI vs FCPT: Dividend Comparison 2026

HBSI yields 4.00% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 FCPT wins by $25.0K in total portfolio value
10 years
HBSI
HBSI
● Live price
4.00%
Share price
$45.50
Annual div
$1.82
5Y div CAGR
-6.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.0K
Annual income
$241.95
Full HBSI calculator →
FCPT
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 — HBSI 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 PeriodHBSIFCPT
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, HBSI + FCPT cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
HBSI pays
FCPT pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

HBSI
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$205.66/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 $4,703.33/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HBSI: 50%FCPT: 50%
100% FCPT50/50100% HBSI
Portfolio after 10yr
$36.6K
Annual income
$3,008.61/yr
Blended yield
8.23%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

HBSI
No analyst data
Altman Z
0.3
Piotroski
6/9
FCPT
Analyst Ratings
5
Buy
10
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)

HBSI buys
0
FCPT buys
0
No recent congressional trades found for HBSI or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHBSIFCPT
Forward yield4.00%6.05% ✓
Annual dividend / share$1.82 ✓$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-6.7%15.8% ✓
Portfolio after 10y$24.0K$49.1K ✓
Annual income after 10y$241.95$5,775.28 ✓
Total dividends collected$3.1K$24.1K ✓
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearHBSI PortfolioHBSI Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$11,073$373.20$11,401$700.92$328.00 → FCPT
2$12,209$360.34$13,064$864.84$855.00 → FCPT
3$13,410$346.42$15,051$1,072.48$1.6K → FCPT
4$14,680$331.78$17,442$1,337.22$2.8K → FCPT
5$16,024$316.71$20,340$1,677.08$4.3K → FCPT
6$17,448$301.45$23,880$2,116.57$6.4K → FCPT
7$18,955$286.20$28,241$2,689.36$9.3K → FCPT
8$20,553$271.12$33,660$3,442.07$13.1K → FCPT
9$22,248$256.33$40,456$4,439.95$18.2K → FCPT
10$24,048$241.95$49,063$5,775.28$25.0K → FCPT

HBSI vs FCPT: Complete Analysis 2026

HBSI — Stock

Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provide various banking products and services for individuals and businesses. The company accepts checking, saving, money market, NOW, individual retirement, and club accounts; and insured cash sweep and CDARS interest-bearing deposits, as well as certificates of deposit. It also offers personal and business loans, such as home mortgage and equity, land and lot, mobile home, auto, personal and business term, agriculture, equipment, and commercial real estate loans, as well as business lines of credit. In addition, the company provides debit and credit cards, kasasa protect, automatic teller machines, business online banking and bill-pay, mobile banking, CardValet, POP money, telephone banking, direct deposits, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, safe deposit box, and wire transfer services. Further, it offers merchant card processing services; and sells life and accident coverage insurance products. The company operates through ten locations in West Virginia and two locations in Virginia. Highlands Bankshares, Inc. was incorporated in 1984 and is based in Petersburg, West Virginia.

Full HBSI 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.