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PFC vs FCPT: Dividend Comparison 2026

PFC yields 4.42% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PFC wins by $1.53M in total portfolio value· pulled ahead in Year 2
10 years
PFC
PFC
● Live price
4.42%
Share price
$28.04
Annual div
$1.24
5Y div CAGR
57.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.58M
Annual income
$1,080,423.49
Full PFC 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 — PFC vs FCPT

📍 PFC pulled ahead of the other in Year 2

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodPFCFCPT
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, PFC + FCPT cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

PFC
Annual income on $10K today (after 15% tax)
$375.89/yr
After 10yr DRIP, annual income (after tax)
$918,359.97/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, PFC beats the other by $913,450.98/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PFC: 50%FCPT: 50%
100% FCPT50/50100% PFC
Portfolio after 10yr
$814.2K
Annual income
$543,099.38/yr
Blended yield
66.71%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

PFC
Analyst Ratings
1
Buy
4
Hold
Consensus: Hold
Price Target
$22.00
-21.5% upside vs current
Range: $22.00 — $22.00
Altman Z
0.4
Piotroski
5/9
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)

PFC buys
0
FCPT buys
0
No recent congressional trades found for PFC or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPFCFCPT
Forward yield4.42%6.05% ✓
Annual dividend / share$1.24$1.43 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR57.9% ✓15.8%
Portfolio after 10y$1.58M$49.1K ✓
Annual income after 10y$1,080,423.49 ✓$5,775.28
Total dividends collected$1.51M$24.1K ✓
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusHoldHold
Analyst price target$22.00$27.00 ✓

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

YearPFC PortfolioPFC Income/yrFCPT PortfolioFCPT Income/yrGap
1$11,398$698.27$11,401$700.92$3.00 → FCPT
2← crossover$13,371$1,174.53$13,064$864.84+$307.00 → PFC
3$16,340$2,033.18$15,051$1,072.48+$1.3K → PFC
4$21,150$3,666.64$17,442$1,337.22+$3.7K → PFC
5$29,635$7,003.81$20,340$1,677.08+$9.3K → PFC
6$46,191$14,481.58$23,880$2,116.57+$22.3K → PFC
7$82,733$33,309.58$28,241$2,689.36+$54.5K → PFC
8$176,568$88,043.15$33,660$3,442.07+$142.9K → PFC
9$466,212$277,283.83$40,456$4,439.95+$425.8K → PFC
10$1,579,270$1,080,423.49$49,063$5,775.28+$1.53M → PFC

PFC vs FCPT: Complete Analysis 2026

PFC — Stock

Premier Financial Corp., through its subsidiaries, provides various banking services. It offers various demand, checking, money market, and savings accounts, as well as certificates of deposits and certificates of deposit account registry service; and investment products. The company also provides residential and commercial real estate, commercial, construction, home improvement and home equity, and consumer loans. In addition, it invests in the U.S. treasury and federal government agency obligations, obligations of states and political subdivisions, mortgage-backed securities that are issued by federal agencies, collateralized mortgage obligations, and corporate bonds. Further, the company offers property and casualty, life, and group health insurance agency services; mezzanine funding services; and online banking services, which include mobile banking, person-to-person payments, online bill pay, and online account opening, as well as the MoneyPass ATM network. It operates through 75 banking center offices and 12 loan offices in Ohio, Michigan, Indiana, Pennsylvania, and West Virginia. The company was formerly known as First Defiance Financial Corp. and changed its name to Premier Financial Corp. in June 2020. Premier Financial Corp. was founded in 1920 and is headquartered in Defiance, Ohio.

Full PFC 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.