Is HMCBF or FCPT a better dividend investment in 2026?

HMCBF currently yields 1.38% 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 HMCBF and FCPT?

HMCBF has a forward dividend yield of 1.38% ($0.45/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 4.67 percentage points.

Home › Compare › HMCBF vs FCPT

HMCBF vs FCPT: Dividend Comparison 2026

HMCBF yields 1.38% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 HMCBF wins by $14.41M in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

HMCBF

● Live price

1.38%

Share price

$32.52

Annual div

$0.45

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$14.46M

Annual income

$12,699,403.13

Full HMCBF 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 — HMCBF vs FCPT

📍 HMCBF pulled ahead of the other in Year 4

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	HMCBF	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, HMCBF + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HMCBF pays

FCPT pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

HMCBF

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

$117.62/yr

After 10yr DRIP, annual income (after tax)

$10,794,492.66/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, HMCBF beats the other by $10,789,583.67/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 HMCBF + FCPT for your $10,000?

HMCBF: 50%FCPT: 50%

100% FCPT50/50100% HMCBF

Portfolio after 10yr

$7.26M

Annual income

$6,352,589.21/yr

Blended yield

87.55%

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Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

HMCBF

No analyst data

Altman Z

0.3

Piotroski

7/9

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)

HMCBF buys

FCPT buys

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

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

MetricHMCBFFCPT

Forward yield	1.38%	6.05% ✓
Annual dividend / share	$0.45	$1.43 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	15.8%
Portfolio after 10y	$14.46M	$49.1K ✓
Annual income after 10y	$12,699,403.13 ✓	$5,775.28
Total dividends collected	$14.30M	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

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

Year	HMCBF Portfolio	HMCBF Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1	$10,977	$276.75	$11,401	$700.92	$424.00 → FCPT
2	$12,313	$567.82	$13,064	$864.84	$751.00 → FCPT
3	$14,365	$1,190.55	$15,051	$1,072.48	$686.00 → FCPT
4← crossover	$17,967	$2,596.26	$17,442	$1,337.22	+$525.00 → HMCBF
5	$25,295	$6,069.57	$20,340	$1,677.08	+$5.0K → HMCBF
6	$43,037	$15,971.64	$23,880	$2,116.57	+$19.2K → HMCBF
7	$96,843	$50,793.60	$28,241	$2,689.36	+$68.6K → HMCBF
8	$317,262	$213,640.47	$33,660	$3,442.07	+$283.6K → HMCBF
9	$1,647,690	$1,308,218.71	$40,456	$4,439.95	+$1.61M → HMCBF
10	$14,462,431	$12,699,403.13	$49,063	$5,775.28	+$14.41M → HMCBF

HMCBF vs FCPT: Complete Analysis 2026

HMCBF — Stock

Home Capital Group Inc., through its subsidiary, Home Trust Company, provides residential and nonresidential mortgage lending, securitization of residential mortgage products, consumer lending, and credit card services in Canada. It offers deposits through brokers and financial planners under the Oaken Financial brand. The company also provides credit card and line of credit services, including Equityline Visa product, a home equity line of credit that is secured by residential property; and cash-secured and unsecured credit card products. In addition, it offers consumer retail lending services for durable household goods, such as water heaters and larger-ticket home improvement items; and consumer loans. Further, the company manages a treasury portfolio. Additionally, the company offers various lending and savings solutions. The company operates through offices in Ontario, Alberta, British Columbia, Nova Scotia, and Quebec. Home Capital Group Inc. was founded in 1986 and is based in Toronto, Canada.

Full HMCBF 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.