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MTFC vs ADC: Dividend Comparison 2026

MTFC yields 1.58% · ADC yields 4.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $157.0K in total portfolio value
10 years
MTFC
MTFC
● Live price
1.58%
Share price
$76.00
Annual div
$1.20
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.0K
Annual income
$174.90
Full MTFC 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 — MTFC vs ADC

📍 ADC pulled ahead of the other in Year 1

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 PeriodMTFCADC
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, MTFC + ADC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

MTFC
Annual income on $10K today (after 15% tax)
$134.21/yr
After 10yr DRIP, annual income (after tax)
$148.67/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, ADC beats the other by $68,529.03/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MTFC: 50%ADC: 50%
100% ADC50/50100% MTFC
Portfolio after 10yr
$100.5K
Annual income
$40,486.10/yr
Blended yield
40.30%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

MTFC
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)

MTFC buys
0
ADC buys
0
No recent congressional trades found for MTFC or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMTFCADC
Forward yield1.58%4.13% ✓
Annual dividend / share$1.20$3.10 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%40.4% ✓
Portfolio after 10y$22.0K$178.9K ✓
Annual income after 10y$174.90$80,797.29 ✓
Total dividends collected$1.7K$156.7K ✓
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearMTFC PortfolioMTFC Income/yrADC PortfolioADC Income/yrGap
1← crossover$10,858$157.89$10,990$580.36$132.00 → ADC
2$11,778$160.22$12,301$860.26$523.00 → ADC
3$12,765$162.43$14,104$1,298.62$1.3K → ADC
4$13,823$164.53$16,691$2,008.16$2.9K → ADC
5$14,957$166.51$20,580$3,205.09$5.6K → ADC
6$16,173$168.38$26,754$5,330.02$10.6K → ADC
7$17,475$170.16$37,196$9,345.14$19.7K → ADC
8$18,870$171.83$56,244$17,523.09$37.4K → ADC
9$20,364$173.41$94,286$35,736.21$73.9K → ADC
10$21,965$174.90$178,949$80,797.29$157.0K → ADC

MTFC vs ADC: Complete Analysis 2026

MTFC — Stock

Minster Financial Corp. operates as a holding company for Minster Bank that provides various banking products and services for individuals, families, and businesses. It offers checking, savings, and money market products; certificates of deposits; and health savings and individual retirement accounts. The company also provides conventional fixed rate mortgages, adjustable rate mortgages, home construction and renovation loans, home equity and home improvement loans, home equity lines of credit, residential lot loans, government loans, and 1-4 family investment property loans; and commercial and agriculture real estate loans, equipment financing services, working capital lines of credit, construction loans, development loans, and SBA/USDA loans. In addition, it offers cash management, online and mobile banking, and bill pay services; merchant, payroll, and retirement plan solutions; debit and credit cards; and overdraft protection, direct deposit, and safe deposit services. Further, the company provides wealth planning, investment management, retirement plan, and trust services; and brokerage services for stocks, bonds, mutual funds, annuities, and brokered CDs, as well as insurance agency services. Minster Financial Corp. was founded in 1914 and is based in Minster, Ohio.

Full MTFC Calculator →

ADC — REIT

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.