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OPOF vs FCPT: Dividend Comparison 2026

OPOF yields 1.00% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 FCPT wins by $25.9K 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 →
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 — OPOF 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 PeriodOPOFFCPT
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 + FCPT cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
OPOF 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.

OPOF
Annual income on $10K today (after 15% tax)
$84.80/yr
After 10yr DRIP, annual income (after tax)
$457.39/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 $4,451.59/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 OPOF + FCPT for your $10,000?

OPOF: 50%FCPT: 50%
100% FCPT50/50100% OPOF
Portfolio after 10yr
$36.1K
Annual income
$3,156.69/yr
Blended yield
8.74%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

OPOF
No analyst data
Altman Z
0.5
Piotroski
8/9
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)

OPOF buys
0
FCPT buys
0
No recent congressional trades found for OPOF or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricOPOFFCPT
Forward yield1.00%6.05% ✓
Annual dividend / share$0.42$1.43 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR16.7% ✓15.8%
Portfolio after 10y$23.2K$49.1K ✓
Annual income after 10y$538.11$5,775.28 ✓
Total dividends collected$2.8K$24.1K ✓
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearOPOF PortfolioOPOF Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$10,816$116.42$11,401$700.92$585.00 → FCPT
2$11,711$137.34$13,064$864.84$1.4K → FCPT
3$12,693$162.18$15,051$1,072.48$2.4K → FCPT
4$13,773$191.72$17,442$1,337.22$3.7K → FCPT
5$14,964$226.89$20,340$1,677.08$5.4K → FCPT
6$16,280$268.86$23,880$2,116.57$7.6K → FCPT
7$17,739$319.03$28,241$2,689.36$10.5K → FCPT
8$19,360$379.12$33,660$3,442.07$14.3K → FCPT
9$21,166$451.27$40,456$4,439.95$19.3K → FCPT
10$23,186$538.11$49,063$5,775.28$25.9K → FCPT

OPOF vs FCPT: 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 →

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.