Is STFC or FCPT a better dividend investment in 2026?

STFC currently yields 17.60% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: STFC offers higher current income.

What is the dividend yield difference between STFC and FCPT?

STFC has a forward dividend yield of 17.60% ($9.15/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 11.55 percentage points.

Home › Compare › STFC vs FCPT

STFC vs FCPT: Dividend Comparison 2026

STFC yields 17.60% · FCPT yields 6.05%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 STFC wins by $13.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

STFC

● Live price

17.60%

Share price

$52.01

Annual div

$9.15

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$62.9K

Annual income

$5,168.61

Full STFC calculator →

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 — STFC vs FCPT

📍 STFC 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 Period	STFC	FCPT
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, STFC + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

STFC 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.

STFC

Annual income on $10K today (after 15% tax)

$1,495.80/yr

After 10yr DRIP, annual income (after tax)

$4,393.32/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 $515.67/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

STFC: 50%FCPT: 50%

100% FCPT50/50100% STFC

Portfolio after 10yr

$56.0K

Annual income

$5,471.94/yr

Blended yield

9.77%

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Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

STFC

Analyst Ratings

Buy

Hold

Consensus: Hold

FCPT

Analyst Ratings

Buy

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

STFC buys

FCPT buys

No recent congressional trades found for STFC or FCPT in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricSTFCFCPT

Forward yield	17.60% ✓	6.05%
Annual dividend / share	$9.15 ✓	$1.43
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	15.8% ✓
Portfolio after 10y	$62.9K ✓	$49.1K
Annual income after 10y	$5,168.61	$5,775.28 ✓
Total dividends collected	$33.4K ✓	$24.1K
Payment frequency	quarterly	quarterly
Sector	Stock	REIT
Analyst consensus	Hold	Hold

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

Year	STFC Portfolio	STFC Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$12,460	$1,759.76	$11,401	$700.92	+$1.1K → STFC
2	$15,381	$2,049.18	$13,064	$864.84	+$2.3K → STFC
3	$18,822	$2,364.15	$15,051	$1,072.48	+$3.8K → STFC
4	$22,843	$2,703.76	$17,442	$1,337.22	+$5.4K → STFC
5	$27,509	$3,066.74	$20,340	$1,677.08	+$7.2K → STFC
6	$32,886	$3,451.52	$23,880	$2,116.57	+$9.0K → STFC
7	$39,044	$3,856.25	$28,241	$2,689.36	+$10.8K → STFC
8	$46,056	$4,278.85	$33,660	$3,442.07	+$12.4K → STFC
9	$53,997	$4,717.09	$40,456	$4,439.95	+$13.5K → STFC
10	$62,946	$5,168.61	$49,063	$5,775.28	+$13.9K → STFC

STFC vs FCPT: Complete Analysis 2026

STFC — Stock

State Auto Financial Corporation, through its subsidiaries, engages in writing personal and business insurance products in the United States. It operates through Personal Insurance, Commercial Insurance, and Investment Operations segments. The Personal Insurance segment primarily provides personal automobile, homeowners, and other personal insurance products. The commercial insurance segment primarily provides commercial automobile, commercial multi-peril, fire and allied, general liability, and workers' compensation insurance covering small-to-medium sized commercial exposures in the commercial insurance market, as well as farm and ranch insurance products. The Investment Operations segment provides investment management services to affiliated insurance companies. The company markets its products primarily through independent agencies, including retail agencies and wholesale brokers. The company was founded in 1950 and is headquartered in Columbus, Ohio. State Auto Financial Corporation operates as a subsidiary of State Automobile Mutual Insurance Company, Inc.

Full STFC 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.