Is PFLC or FCPT a better dividend investment in 2026?

PFLC currently yields 4.39% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: FCPT offers higher current income.

What is the dividend yield difference between PFLC and FCPT?

PFLC has a forward dividend yield of 4.39% ($0.57/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 1.66 percentage points.

Home › Compare › PFLC vs FCPT

PFLC vs FCPT: Dividend Comparison 2026

PFLC yields 4.39% · FCPT yields 6.05%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 PFLC wins by $424.2K in total portfolio value· pulled ahead in Year 2

INVESTMENT

TIME HORIZON10 years

PFLC

● Live price

4.39%

Share price

$12.98

Annual div

$0.57

5Y div CAGR

49.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$473.2K

Annual income

$260,090.33

Full PFLC calculator →

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 — PFLC vs FCPT

📍 PFLC 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 Period	PFLC	FCPT
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, PFLC + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

PFLC 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.

PFLC

Annual income on $10K today (after 15% tax)

$373.27/yr

After 10yr DRIP, annual income (after tax)

$221,076.78/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, PFLC beats the other by $216,167.79/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 PFLC + FCPT for your $10,000?

PFLC: 50%FCPT: 50%

100% FCPT50/50100% PFLC

Portfolio after 10yr

$261.1K

Annual income

$132,932.81/yr

Blended yield

50.90%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

PFLC

No analyst data

Altman Z

-0.8

Piotroski

5/9

FCPT

Analyst Ratings

Buy

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PFLC buys

FCPT buys

No recent congressional trades found for PFLC or FCPT in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricPFLCFCPT

Forward yield	4.39%	6.05% ✓
Annual dividend / share	$0.57	$1.43 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	49.2% ✓	15.8%
Portfolio after 10y	$473.2K ✓	$49.1K
Annual income after 10y	$260,090.33 ✓	$5,775.28
Total dividends collected	$429.1K ✓	$24.1K
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

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

Year	PFLC Portfolio	PFLC Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1	$11,355	$655.19	$11,401	$700.92	$46.00 → FCPT
2← crossover	$13,187	$1,037.41	$13,064	$864.84	+$123.00 → PFLC
3	$15,791	$1,679.97	$15,051	$1,072.48	+$740.00 → PFLC
4	$19,701	$2,804.93	$17,442	$1,337.22	+$2.3K → PFLC
5	$25,960	$4,879.70	$20,340	$1,677.08	+$5.6K → PFLC
6	$36,743	$8,965.86	$23,880	$2,116.57	+$12.9K → PFLC
7	$57,010	$17,694.94	$28,241	$2,689.36	+$28.8K → PFLC
8	$99,284	$38,283.51	$33,660	$3,442.07	+$65.6K → PFLC
9	$199,200	$92,966.67	$40,456	$4,439.95	+$158.7K → PFLC
10	$473,235	$260,090.33	$49,063	$5,775.28	+$424.2K → PFLC

PFLC vs FCPT: Complete Analysis 2026

PFLC — Stock

Pacific Financial Corporation operates as the bank holding company for Bank of the Pacific that provides various banking products and services in Washington and Oregon. The company offers personal and business checking, and savings accounts; certificates of deposit, individual retirement accounts, and other investment options; home loans; and auto and recreation loans, credit cards, and home equity line of credit. It also provides business and commercial loans, commercial real estate loans, and SBA guaranteed loans, as well as inventory, equipment, and working capital loans; Visa business cards; and cash/treasury management, merchant, and online and mobile banking services. The company operates fourteen branches in the communities of Grays Harbor, Pacific, Whatcom, Clark, Skagit, and Wahkiakum counties in the state of Washington; and two branches in Clatsop County, Oregon. It also operates three loan production offices in the communities of Burlington, Washington and Salem and Eugene, Oregon. The company was founded in 1971 and is headquartered in Aberdeen, Washington.

Full PFLC 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.