Is NUBC or FCPT a better dividend investment in 2026?

NUBC currently yields 3.12% 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 NUBC and FCPT?

NUBC has a forward dividend yield of 3.12% ($0.92/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 2.93 percentage points.

Home › Compare › NUBC vs FCPT

NUBC vs FCPT: Dividend Comparison 2026

NUBC yields 3.12% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 FCPT wins by $17.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

NUBC

● Live price

3.12%

Share price

$29.50

Annual div

$0.92

5Y div CAGR

15.9%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.9K

Annual income

$2,070.17

Full NUBC 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 — NUBC 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 Period	NUBC	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, NUBC + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

NUBC 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.

NUBC

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

$265.08/yr

After 10yr DRIP, annual income (after tax)

$1,759.64/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 $3,149.34/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 NUBC + FCPT for your $10,000?

NUBC: 50%FCPT: 50%

100% FCPT50/50100% NUBC

Portfolio after 10yr

$40.5K

Annual income

$3,922.72/yr

Blended yield

9.69%

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Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

NUBC

No analyst data

Altman Z

-0.8

Piotroski

3/9

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)

NUBC buys

FCPT buys

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

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

MetricNUBCFCPT

Forward yield	3.12%	6.05% ✓
Annual dividend / share	$0.92	$1.43 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	15.9% ✓	15.8%
Portfolio after 10y	$31.9K	$49.1K ✓
Annual income after 10y	$2,070.17	$5,775.28 ✓
Total dividends collected	$9.9K	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

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

Year	NUBC Portfolio	NUBC Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$11,061	$361.45	$11,401	$700.92	$340.00 → FCPT
2	$12,269	$433.07	$13,064	$864.84	$795.00 → FCPT
3	$13,648	$520.30	$15,051	$1,072.48	$1.4K → FCPT
4	$15,230	$626.92	$17,442	$1,337.22	$2.2K → FCPT
5	$17,054	$757.80	$20,340	$1,677.08	$3.3K → FCPT
6	$19,167	$919.13	$23,880	$2,116.57	$4.7K → FCPT
7	$21,628	$1,118.93	$28,241	$2,689.36	$6.6K → FCPT
8	$24,509	$1,367.59	$33,660	$3,442.07	$9.2K → FCPT
9	$27,904	$1,678.71	$40,456	$4,439.95	$12.6K → FCPT
10	$31,927	$2,070.17	$49,063	$5,775.28	$17.1K → FCPT

NUBC vs FCPT: Complete Analysis 2026

NUBC — Stock

Northumberland Bancorp operates as a bank holding company for The Northumberland National Bank that provides various banking and financial services for personal and commercial customers. It offers checking, money market, and savings accounts; certificates of deposit; individual retirement accounts; investment securities; deposit and trust services; and debit and credit cards. The company also provides commercial mortgage; commercial, short term, working capital, residential investment, secondary market real estate, home equity, personal, and vehicle loans; lines of credit; letters of credit; government lending programs; agricultural financing; insurance products; and merchant services, as well as Internet and telephone banking services, and safe deposit boxes. It operates in Northumberland, Snyder, and the Union counties in Pennsylvania. The company was founded in 1903 and is based in Northumberland, Pennsylvania.

Full NUBC 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.