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SCZC vs ADC: Dividend Comparison 2026

SCZC yields 0.94% · ADC yields 4.11%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCZC wins by $3.56M in total portfolio value· pulled ahead in Year 5
10 years
SCZC
SCZC
● Live price
0.94%
Share price
$41.44
Annual div
$0.39
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$3.74M
Annual income
$3,107,431.86
Full SCZC calculator →
ADC
Agree Realty Corporation
● Live price
4.11%
Share price
$75.38
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$176.9K
Annual income
$79,647.25
Full ADC calculator →

Portfolio growth — SCZC vs ADC

📍 SCZC pulled ahead of the other in Year 5

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 PeriodSCZCADC
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, SCZC + ADC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SCZC
Annual income on $10K today (after 15% tax)
$80.00/yr
After 10yr DRIP, annual income (after tax)
$2,641,317.08/yr
ADC
Annual income on $10K today (after 15% tax)
$349.45/yr
After 10yr DRIP, annual income (after tax)
$67,700.16/yr
At 15% tax rate, SCZC beats the other by $2,573,616.92/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCZC: 50%ADC: 50%
100% ADC50/50100% SCZC
Portfolio after 10yr
$1.96M
Annual income
$1,593,539.55/yr
Blended yield
81.33%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

SCZC
No analyst data
Altman Z
0.3
Piotroski
3/9
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+7.5% 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)

SCZC buys
0
ADC buys
0
No recent congressional trades found for SCZC or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCZCADC
Forward yield0.94%4.11% ✓
Annual dividend / share$0.39$3.10 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓40.4%
Portfolio after 10y$3.74M$176.9K ✓
Annual income after 10y$3,107,431.86 ✓$79,647.25
Total dividends collected$3.67M$154.7K ✓
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearSCZC PortfolioSCZC Income/yrADC PortfolioADC Income/yrGap
1$10,888$188.24$10,987$577.21$99.00 → ADC
2$12,034$383.11$12,293$855.34$259.00 → ADC
3$13,667$791.42$14,088$1,290.70$421.00 → ADC
4$16,304$1,680.13$16,660$1,994.91$356.00 → ADC
5← crossover$21,192$3,746.32$20,525$3,181.85+$667.00 → SCZC
6$31,777$9,101.65$26,654$5,286.90+$5.1K → SCZC
7$59,511$25,509.97$37,006$9,259.47+$22.5K → SCZC
8$152,975$89,298.48$55,862$17,338.74+$97.1K → SCZC
9$592,739$429,055.47$93,452$35,300.32+$499.3K → SCZC
10$3,741,663$3,107,431.86$176,931$79,647.25+$3.56M → SCZC

SCZC vs ADC: Complete Analysis 2026

SCZC — Stock

Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses. The company's deposit products include checking, savings, term certificate, money market, and health savings accounts; and IRAs and certificate of deposits. It also offers lending products comprising commercial, multi-family, agricultural, construction, wine industry, venture banking, small business administration, business and industry, farm services agency, municipal, government guarantee, and installment loans, as well as loans supported by single-family residential real estate, commercial real estate financing, and lines of credit. In addition, the company provides debit and credit cards, merchant, online and mobile banking, remote electronic deposit, bill payment, treasury management, and cash management services. It operates through seven full-service offices located in Aptos, Capitola, Cupertino, Monterey, Santa Cruz, Scotts Valley, and Watsonville; and two ATMs and night depository kiosks. Santa Cruz County Bank was incorporated in 2003 and is based in Santa Cruz, California.

Full SCZC Calculator →

ADC — REIT

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.