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SMAL vs ADC: Dividend Comparison 2026

SMAL yields 2.43% · ADC yields 4.13%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SMAL wins by $152.77M in total portfolio value
10 years
SMAL
SMAL
● Live price
2.43%
Share price
$58.00
Annual div
$1.41
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$152.95M
Annual income
$141,745,669.47
Full SMAL 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 — SMAL vs ADC

📍 SMAL pulled ahead of the other in Year 1

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 PeriodSMALADC
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, SMAL + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SMAL
Annual income on $10K today (after 15% tax)
$206.64/yr
After 10yr DRIP, annual income (after tax)
$120,483,819.05/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, SMAL beats the other by $120,415,141.35/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SMAL: 50%ADC: 50%
100% ADC50/50100% SMAL
Portfolio after 10yr
$76.56M
Annual income
$70,913,233.39/yr
Blended yield
92.62%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

SMAL
No analyst data
Altman Z
-0.3
Piotroski
7/9
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)

SMAL buys
0
ADC buys
0
No recent congressional trades found for SMAL or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSMALADC
Forward yield2.43%4.13%
Annual dividend / share$1.41$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%40.4%
Portfolio after 10y$152.95M$178.9K
Annual income after 10y$141,745,669.47$80,797.29
Total dividends collected$152.08M$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearSMAL PortfolioSMAL Income/yrADC PortfolioADC Income/yrGap
1← crossover$11,186$486.21$10,990$580.36+$196.00SMAL
2$12,986$1,016.60$12,301$860.26+$685.00SMAL
3$16,101$2,205.89$14,104$1,298.62+$2.0KSMAL
4$22,340$5,112.17$16,691$2,008.16+$5.6KSMAL
5$37,162$13,258.32$20,580$3,205.09+$16.6KSMAL
6$80,988$41,224.20$26,754$5,330.02+$54.2KSMAL
7$254,582$167,925.67$37,196$9,345.14+$217.4KSMAL
8$1,259,076$986,672.62$56,244$17,523.09+$1.20MSMAL
9$10,468,217$9,121,006.02$94,286$35,736.21+$10.37MSMAL
10$152,946,662$141,745,669.47$178,949$80,797.29+$152.77MSMAL

SMAL vs ADC: Complete Analysis 2026

SMALStock

Summit Bancshares, Inc., through its subsidiary, Summit Bank, provides commercial credit and other banking services in California. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial real estate, land development and construction, and commercial and consumer loans, as well as letters of credit. The company offers its products and services through three branches to small and mid-sized businesses and professionals, including professional firms of physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors, as well as individuals. Summit Bancshares, Inc. was founded in 1982 and is based in Oakland, California.

Full SMAL 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.