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MFNC vs ADC: Dividend Comparison 2026

MFNC yields 51.61% · ADC yields 4.13%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MFNC wins by $1952145.34M in total portfolio value
10 years
MFNC
MFNC
● Live price
51.61%
Share price
$21.50
Annual div
$11.10
5Y div CAGR
60%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1952145.52M
Annual income
$1,886,736,100,143.17
Full MFNC calculator →
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →

Portfolio growth — MFNC vs ADC

📍 MFNC 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 PeriodMFNCADC
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, MFNC + ADC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MFNC pays
ADC pays
Both pay
Neither
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Tax Bracket Optimizer

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

MFNC
Annual income on $10K today (after 15% tax)
$4,386.60/yr
After 10yr DRIP, annual income (after tax)
$1,603,725,685,121.69/yr
ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
At 15% tax rate, MFNC beats the other by $1,603,725,616,444.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of MFNC + ADC for your $10,000?

MFNC: 50%ADC: 50%
100% ADC50/50100% MFNC
Portfolio after 10yr
$976072.85M
Annual income
$943,368,090,470.24/yr
Blended yield
96.65%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

MFNC
No analyst data
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% upside vs current
Range: $75.00 — $84.50
Altman Z
1.6
Piotroski
7/9
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)

MFNC buys
0
ADC buys
0
No recent congressional trades found for MFNC or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMFNCADC
Forward yield51.61%4.13%
Annual dividend / share$11.10$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR60%40.4%
Portfolio after 10y$1952145.52M$178.9K
Annual income after 10y$1,886,736,100,143.17$80,797.29
Total dividends collected$1947654.53M$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT

Year-by-year: MFNC vs ADC ($10,000, DRIP)

YearMFNC PortfolioMFNC Income/yrADC PortfolioADC Income/yrGap
1← crossover$18,957$8,257.12$10,990$580.36+$8.0KMFNC
2$43,691$23,406.55$12,301$860.26+$31.4KMFNC
3$127,415$80,665.89$14,104$1,298.62+$113.3KMFNC
4$488,103$351,769.09$16,691$2,008.16+$471.4KMFNC
5$2,537,317$2,015,046.78$20,580$3,205.09+$2.52MMFNC
6$18,378,276$15,663,346.43$26,754$5,330.02+$18.35MMFNC
7$189,313,552$169,648,796.61$37,196$9,345.14+$189.28MMFNC
8$2,815,713,033$2,613,147,532.71$56,244$17,523.09+$2815.66MMFNC
9$61,130,299,352$58,117,486,407.20$94,286$35,736.21+$61130.21MMFNC
10$1,952,145,520,450$1,886,736,100,143.17$178,949$80,797.29+$1952145.34MMFNC

MFNC vs ADC: Complete Analysis 2026

MFNCStock

Mackinac Financial Corp. is a bank holding company, which engages in the provision of commercial banking services through its subsidiary, mBank. The company is headquartered in Manistique, Michigan and currently employs 294 full-time employees. The Company, through the Bank, is engaged in the general commercial banking business. The Bank provides a range of loan and deposit products. These banking services include customary retail and commercial banking services, including checking and savings accounts, time deposits, interest bearing transaction accounts, safe deposit facilities, real estate mortgage lending, commercial lending, commercial and governmental lease financing, and direct and indirect consumer financing. The funds for the Bank's operation are also provided by brokered deposits and through borrowings from the Federal Home Loan Bank (FHLB) system, proceeds from the sale of loans and mortgage-backed and other securities, funds from repayment of outstanding loans and earnings from operations. The Bank has over 13 branch offices located in the Upper Peninsula of Michigan and four branch offices located in Michigan's Lower Peninsula.

Full MFNC Calculator →

ADCREIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC 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.