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STBK vs FCPT: Dividend Comparison 2026

STBK yields 16.53% · FCPT yields 6.05%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 STBK wins by $9.8K in total portfolio value
10 years
STBK
STBK
● Live price
16.53%
Share price
$12.10
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$58.9K
Annual income
$4,563.82
Full STBK 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 — STBK vs FCPT

📍 STBK pulled ahead of the other in Year 1

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 PeriodSTBKFCPT
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, STBK + FCPT cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
STBK pays
FCPT pays
Both pay
Neither
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Tax Bracket Optimizer

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

STBK
Annual income on $10K today (after 15% tax)
$1,404.96/yr
After 10yr DRIP, annual income (after tax)
$3,879.25/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, FCPT beats the other by $1,029.74/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

STBK: 50%FCPT: 50%
100% FCPT50/50100% STBK
Portfolio after 10yr
$54.0K
Annual income
$5,169.55/yr
Blended yield
9.58%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

STBK
No analyst data
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)

STBK buys
0
FCPT buys
0
No recent congressional trades found for STBK or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSTBKFCPT
Forward yield16.53% ✓6.05%
Annual dividend / share$2.00 ✓$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%15.8% ✓
Portfolio after 10y$58.9K ✓$49.1K
Annual income after 10y$4,563.82$5,775.28 ✓
Total dividends collected$30.2K ✓$24.1K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearSTBK PortfolioSTBK Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$12,353$1,652.89$11,401$700.92+$952.00 → STBK
2$15,126$1,908.22$13,064$864.84+$2.1K → STBK
3$18,368$2,183.72$15,051$1,072.48+$3.3K → STBK
4$22,132$2,478.35$17,442$1,337.22+$4.7K → STBK
5$26,473$2,790.87$20,340$1,677.08+$6.1K → STBK
6$31,445$3,119.77$23,880$2,116.57+$7.6K → STBK
7$37,110$3,463.38$28,241$2,689.36+$8.9K → STBK
8$43,528$3,819.88$33,660$3,442.07+$9.9K → STBK
9$50,762$4,187.35$40,456$4,439.95+$10.3K → STBK
10$58,879$4,563.82$49,063$5,775.28+$9.8K → STBK

STBK vs FCPT: Complete Analysis 2026

STBK — Stock

Studio Financial Holdings, Inc. operates as the holding company for Studio Bank that provides various financial services in the United States. It offers commercial banking services, including commercial checking, and commercial savings and money market accounts; interest on lawyers trust accounts; cash concentration, remote capture, preauthorized automated clearing house debits and filtering, wire transfers, zero balance and automated sweep, account reporting and reconciliation, and positive pay services; term and bridge loans, revolving lines of credit, land development loans, construction and development lines of credit, and other commercial loans; and commercial credit cards. The company also provides personal banking services comprising personal checking and personal savings accounts; mortgages and other personal loan accounts; and personal credit cards. In addition, it offers tech and startup banking services; and mortgage and home loan options, as well as home equity lines of credit and home equity installment loans. The company operates through its offices in Davidson County, Tennessee; and a loan production office in Williamson County, Tennessee. Studio Financial Holdings, Inc. was founded in 2017 and is based in Nashville, Tennessee.

Full STBK 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.