HomeCompareNYCB vs FCPT

NYCB vs FCPT: Dividend Comparison 2026

NYCB yields 0.38% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 FCPT wins by $29.3K in total portfolio value
10 years
NYCB
NYCB
● Live price
0.38%
Share price
$10.55
Annual div
$0.04
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.7K
Annual income
$0.04
Full NYCB 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 — NYCB 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 PeriodNYCBFCPT
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, NYCB + FCPT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

NYCB
Annual income on $10K today (after 15% tax)
$32.23/yr
After 10yr DRIP, annual income (after tax)
$0.03/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 $4,908.95/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NYCB: 50%FCPT: 50%
100% FCPT50/50100% NYCB
Portfolio after 10yr
$34.4K
Annual income
$2,887.66/yr
Blended yield
8.39%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

NYCB
No analyst data
Altman Z
0.4
Piotroski
1/9
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)

NYCB buys
0
FCPT buys
0
No recent congressional trades found for NYCB or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNYCBFCPT
Forward yield0.38%6.05%
Annual dividend / share$0.04$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%15.8%
Portfolio after 10y$19.7K$49.1K
Annual income after 10y$0.04$5,775.28
Total dividends collected$38.00$24.1K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearNYCB PortfolioNYCB Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$10,719$18.96$11,401$700.92$682.00FCPT
2$11,479$9.50$13,064$864.84$1.6KFCPT
3$12,287$4.75$15,051$1,072.48$2.8KFCPT
4$13,150$2.38$17,442$1,337.22$4.3KFCPT
5$14,071$1.19$20,340$1,677.08$6.3KFCPT
6$15,057$0.59$23,880$2,116.57$8.8KFCPT
7$16,111$0.30$28,241$2,689.36$12.1KFCPT
8$17,239$0.15$33,660$3,442.07$16.4KFCPT
9$18,446$0.07$40,456$4,439.95$22.0KFCPT
10$19,737$0.04$49,063$5,775.28$29.3KFCPT

NYCB vs FCPT: Complete Analysis 2026

NYCBStock

New York Community Bancorp, Inc. operates as the bank holding company for New York Community Bank that provides banking products and services in Metro New York, New Jersey, Ohio, Florida, and Arizona. The company accepts various deposit products, such as interest-bearing checking and money market, savings, non-interest-bearing, and individual retirement accounts, as well as certificates of deposit. Its loan products include multi-family loans; commercial real estate loans; specialty finance loans and leases; and commercial and industrial loans; acquisition, development, and construction loans; one-to-four family loans; and consumer loans. The company also offers annuities, life and long-term care insurance products, and mutual funds; cash management products; and online, mobile, and phone banking services. It primarily serves individuals, small and mid-size businesses, and professional associations through a network of 237 branches and 333 ATM locations. The company was formerly known as Queens County Bancorp, Inc. and changed its name to New York Community Bancorp, Inc. in November 2000. New York Community Bancorp, Inc. was founded in 1859 and is based in Hicksville, New York.

Full NYCB Calculator →

FCPTREIT

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.