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SCBS vs ADC: Dividend Comparison 2026

SCBS yields 0.83% · ADC yields 4.13%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCBS wins by $2.32M in total portfolio value· pulled ahead in Year 6
10 years
SCBS
SCBS
● Live price
0.83%
Share price
$34.00
Annual div
$0.28
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$2.49M
Annual income
$2,024,767.77
Full SCBS calculator →
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →

Portfolio growth — SCBS vs ADC

📍 SCBS pulled ahead of the other in Year 6

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 PeriodSCBSADC
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, SCBS + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SCBS
Annual income on $10K today (after 15% tax)
$70.35/yr
After 10yr DRIP, annual income (after tax)
$1,721,052.60/yr
ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
At 15% tax rate, SCBS beats the other by $1,652,374.91/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCBS: 50%ADC: 50%
100% ADC50/50100% SCBS
Portfolio after 10yr
$1.34M
Annual income
$1,052,782.54/yr
Blended yield
78.75%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

SCBS
No analyst data
Altman Z
10.1
Piotroski
6/9
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% 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)

SCBS buys
0
ADC buys
0
No recent congressional trades found for SCBS or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCBSADC
Forward yield0.83%4.13%
Annual dividend / share$0.28$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%40.4%
Portfolio after 10y$2.49M$178.9K
Annual income after 10y$2,024,767.77$80,797.29
Total dividends collected$2.43M$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearSCBS PortfolioSCBS Income/yrADC PortfolioADC Income/yrGap
1$10,866$165.53$10,990$580.36$124.00ADC
2$11,962$336.18$12,301$860.26$339.00ADC
3$13,491$691.80$14,104$1,298.62$613.00ADC
4$15,894$1,458.39$16,691$2,008.16$797.00ADC
5$20,218$3,211.44$20,580$3,205.09$362.00ADC
6← crossover$29,269$7,635.73$26,754$5,330.02+$2.5KSCBS
7$51,980$20,661.64$37,196$9,345.14+$14.8KSCBS
8$124,204$68,585.65$56,244$17,523.09+$68.0KSCBS
9$439,222$306,323.69$94,286$35,736.21+$344.9KSCBS
10$2,494,735$2,024,767.77$178,949$80,797.29+$2.32MSCBS

SCBS vs ADC: Complete Analysis 2026

SCBSStock

Southern Community Bancshares, Inc. operates as the bank holding company for First Community Bank that provides various banking products and services in northern Alabama. It accepts checking, saving, money market, individual retirement accounts, certificates of deposit, Christmas club, and kids club savings accounts. Its loan products include consumer, business, purchase, home improvement, refinance, construction, conventional, FHA, VA, and USDA loans. The company also provides Visa debit cards, and online and mobile banking services. Southern Community Bancshares, Inc. was founded in 1905 and is based in Cullman, Alabama.

Full SCBS Calculator →

ADCREIT

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.