HomeCompareSMMF vs FCPT

SMMF vs FCPT: Dividend Comparison 2026

SMMF yields 3.42% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SMMF wins by $4.82M in total portfolio value· pulled ahead in Year 2
10 years
SMMF
SMMF
● Live price
3.42%
Share price
$25.70
Annual div
$0.88
5Y div CAGR
70.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.87M
Annual income
$3,834,032.16
Full SMMF 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 — SMMF vs FCPT

📍 SMMF 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 PeriodSMMFFCPT
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, SMMF + FCPT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SMMF
Annual income on $10K today (after 15% tax)
$291.05/yr
After 10yr DRIP, annual income (after tax)
$3,258,927.34/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, SMMF beats the other by $3,254,018.35/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SMMF: 50%FCPT: 50%
100% FCPT50/50100% SMMF
Portfolio after 10yr
$2.46M
Annual income
$1,919,903.72/yr
Blended yield
78.05%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

SMMF
Analyst Ratings
2
Buy
1
Hold
Consensus: Buy
Altman Z
0.1
Piotroski
5/9
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)

SMMF buys
0
FCPT buys
0
No recent congressional trades found for SMMF or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSMMFFCPT
Forward yield3.42%6.05%
Annual dividend / share$0.88$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR70.9%15.8%
Portfolio after 10y$4.87M$49.1K
Annual income after 10y$3,834,032.16$5,775.28
Total dividends collected$4.76M$24.1K
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusBuyHold

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

YearSMMF PortfolioSMMF Income/yrFCPT PortfolioFCPT Income/yrGap
1$11,285$585.18$11,401$700.92$116.00FCPT
2← crossover$13,130$1,054.77$13,064$864.84+$66.00SMMF
3$16,009$1,960.06$15,051$1,072.48+$958.00SMMF
4$20,947$3,817.09$17,442$1,337.22+$3.5KSMMF
5$30,390$7,977.05$20,340$1,677.08+$10.1KSMMF
6$51,002$18,484.84$23,880$2,116.57+$27.1KSMMF
7$104,121$49,548.55$28,241$2,689.36+$75.9KSMMF
8$272,971$161,561.50$33,660$3,442.07+$239.3KSMMF
9$968,589$676,510.17$40,456$4,439.95+$928.1KSMMF
10$4,870,422$3,834,032.16$49,063$5,775.28+$4.82MSMMF

SMMF vs FCPT: Complete Analysis 2026

SMMFStock

Summit Financial Group, Inc. operates as a financial holding company for Summit Community Bank, Inc. that provides community banking and other financial services to individuals and businesses primarily in the Eastern Panhandle, Southern and North Central regions of West Virginia and the Northern, Shenandoah Valley, and Southwestern regions of Virginia, and the Central region of Kentucky. The company's community banking services include demand, savings, and time deposits; commercial, commercial real estate, construction and land development, residential real estate, and consumer loans; and mortgage warehouse lines of credit, as well as trust and wealth management, cash management, and insurance services. As of December 31, 2021, it operated through 45 banking offices. The company was incorporated in 1987 and is headquartered in Moorefield, West Virginia.

Full SMMF Calculator →

FCPTREIT

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 →
📬

Get this SMMF vs FCPT comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

SMMF vs SCHDSMMF vs JEPISMMF vs OSMMF vs KOSMMF vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.