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SCBS vs FCPT: Dividend Comparison 2026

SCBS yields 0.83% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCBS wins by $2.45M 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 →
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 — SCBS vs FCPT

📍 SCBS pulled ahead of the other in Year 6

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 PeriodSCBSFCPT
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 + FCPT cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
SCBS pays
FCPT 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
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, SCBS beats the other by $1,716,143.62/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCBS: 50%FCPT: 50%
100% FCPT50/50100% SCBS
Portfolio after 10yr
$1.27M
Annual income
$1,015,271.53/yr
Blended yield
79.82%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

SCBS
No analyst data
Altman Z
10.1
Piotroski
6/9
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)

SCBS buys
0
FCPT buys
0
No recent congressional trades found for SCBS or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCBSFCPT
Forward yield0.83%6.05% ✓
Annual dividend / share$0.28$1.43 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓15.8%
Portfolio after 10y$2.49M$49.1K ✓
Annual income after 10y$2,024,767.77 ✓$5,775.28
Total dividends collected$2.43M$24.1K ✓
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearSCBS PortfolioSCBS Income/yrFCPT PortfolioFCPT Income/yrGap
1$10,866$165.53$11,401$700.92$535.00 → FCPT
2$11,962$336.18$13,064$864.84$1.1K → FCPT
3$13,491$691.80$15,051$1,072.48$1.6K → FCPT
4$15,894$1,458.39$17,442$1,337.22$1.5K → FCPT
5$20,218$3,211.44$20,340$1,677.08$122.00 → FCPT
6← crossover$29,269$7,635.73$23,880$2,116.57+$5.4K → SCBS
7$51,980$20,661.64$28,241$2,689.36+$23.7K → SCBS
8$124,204$68,585.65$33,660$3,442.07+$90.5K → SCBS
9$439,222$306,323.69$40,456$4,439.95+$398.8K → SCBS
10$2,494,735$2,024,767.77$49,063$5,775.28+$2.45M → SCBS

SCBS vs FCPT: Complete Analysis 2026

SCBS — Stock

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 →

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.