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OPOF vs MCD: Dividend Comparison 2026

OPOF yields 1.00% · MCD yields 2.34%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCD wins by $54.6K in total portfolio value· pulled ahead in Year 2
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 →
MCD
McDonald's Corporation
● Live price
2.34%
Share price
$310.79
Annual div
$7.26
5Y div CAGR
42.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$25,833.37
Full MCD calculator →

Portfolio growth — OPOF vs MCD

📍 MCD pulled ahead of the other in Year 2

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 PeriodOPOFMCD
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 + MCD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
OPOF pays
MCD 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
MCD
Annual income on $10K today (after 15% tax)
$198.56/yr
After 10yr DRIP, annual income (after tax)
$21,958.36/yr
At 15% tax rate, MCD beats the other by $21,500.97/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

OPOF: 50%MCD: 50%
100% MCD50/50100% OPOF
Portfolio after 10yr
$50.5K
Annual income
$13,185.74/yr
Blended yield
26.13%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

OPOF
No analyst data
Altman Z
0.5
Piotroski
8/9
MCD
Analyst Ratings
37
Buy
23
Hold
1
Sell
Consensus: Buy
Price Target
$351.76
+13.2% upside vs current
Range: $320.00 — $385.00
Altman Z
4.9
Piotroski
5/9
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
MCD buys
0
No recent congressional trades found for OPOF or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricOPOFMCD
Forward yield1.00%2.34% ✓
Annual dividend / share$0.42$7.26 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR16.7%42.3% ✓
Portfolio after 10y$23.2K$77.7K ✓
Annual income after 10y$538.11$25,833.37 ✓
Total dividends collected$2.8K$57.7K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary

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

YearOPOF PortfolioOPOF Income/yrMCD PortfolioMCD Income/yrGap
1$10,816$116.42$10,812$332.41+$4.00 → OPOF
2← crossover$11,711$137.34$11,819$488.02$108.00 → MCD
3$12,693$162.18$13,111$724.37$418.00 → MCD
4$13,773$191.72$14,832$1,091.05$1.1K → MCD
5$14,964$226.89$17,219$1,675.85$2.3K → MCD
6$16,280$268.86$20,688$2,641.85$4.4K → MCD
7$17,739$319.03$25,990$4,309.70$8.3K → MCD
8$19,360$379.12$34,590$7,351.77$15.2K → MCD
9$21,166$451.27$49,535$13,285.25$28.4K → MCD
10$23,186$538.11$77,746$25,833.37$54.6K → MCD

OPOF vs MCD: 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 →

MCD — Consumer Discretionary

McDonald's Corporation operates and franchises McDonald's restaurants in the United States and internationally. Its restaurants offer hamburgers and cheeseburgers, chicken sandwiches and nuggets, wraps, fries, salads, oatmeal, shakes, desserts, sundaes, soft serve cones, bakery items, soft drinks, coffee, and beverages and other beverages, as well as breakfast menu, including biscuit and bagel sandwiches, breakfast burritos, hotcakes, and other sandwiches. As of December 31, 2021, the company operated 40,031 restaurants. McDonald's Corporation was founded in 1940 and is headquartered in Chicago, Illinois.

Full MCD 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.