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OPOF vs ADC: Dividend Comparison 2026

OPOF yields 1.00% · ADC yields 4.11%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $153.7K in total portfolio value
10 years
OPOF
OPOF
● Live price
1.00%
Share price
$42.10
Annual div
$0.42
5Y div CAGR
16.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.2K
Annual income
$538.11
Full OPOF calculator →
ADC
Agree Realty Corporation
● Live price
4.11%
Share price
$75.38
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$176.9K
Annual income
$79,647.25
Full ADC calculator →

Portfolio growth — OPOF vs ADC

📍 ADC 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 PeriodOPOFADC
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, OPOF + ADC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

OPOF
Annual income on $10K today (after 15% tax)
$84.80/yr
After 10yr DRIP, annual income (after tax)
$457.39/yr
ADC
Annual income on $10K today (after 15% tax)
$349.45/yr
After 10yr DRIP, annual income (after tax)
$67,700.16/yr
At 15% tax rate, ADC beats the other by $67,242.77/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

OPOF: 50%ADC: 50%
100% ADC50/50100% OPOF
Portfolio after 10yr
$100.1K
Annual income
$40,092.67/yr
Blended yield
40.07%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

OPOF
No analyst data
Altman Z
0.5
Piotroski
8/9
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+7.5% 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)

OPOF buys
0
ADC buys
0
No recent congressional trades found for OPOF or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricOPOFADC
Forward yield1.00%4.11% ✓
Annual dividend / share$0.42$3.10 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR16.7%40.4% ✓
Portfolio after 10y$23.2K$176.9K ✓
Annual income after 10y$538.11$79,647.25 ✓
Total dividends collected$2.8K$154.7K ✓
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearOPOF PortfolioOPOF Income/yrADC PortfolioADC Income/yrGap
1← crossover$10,816$116.42$10,987$577.21$171.00 → ADC
2$11,711$137.34$12,293$855.34$582.00 → ADC
3$12,693$162.18$14,088$1,290.70$1.4K → ADC
4$13,773$191.72$16,660$1,994.91$2.9K → ADC
5$14,964$226.89$20,525$3,181.85$5.6K → ADC
6$16,280$268.86$26,654$5,286.90$10.4K → ADC
7$17,739$319.03$37,006$9,259.47$19.3K → ADC
8$19,360$379.12$55,862$17,338.74$36.5K → ADC
9$21,166$451.27$93,452$35,300.32$72.3K → ADC
10$23,186$538.11$176,931$79,647.25$153.7K → ADC

OPOF vs ADC: Complete Analysis 2026

OPOF — Stock

Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services for individual and commercial customers in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides real estate construction, commercial, and mortgage loans, such as residential 1-4 family mortgages, multi-family and second mortgages, and equity lines of credit; and other loans, as well as cash management services. In addition, the company offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax, and investment management services; and insurance products and wealth management services. It operates 14 branches in the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County; a loan production office in Richmond, Virginia; and a mortgage loan origination office in Charlotte, North Carolina. The company was founded in 1922 and is headquartered in Hampton, Virginia.

Full OPOF 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.