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TBNK vs ADC: Dividend Comparison 2026

TBNK yields 0.48% · ADC yields 4.11%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $157.2K in total portfolio value
10 years
TBNK
TBNK
● Live price
0.48%
Share price
$8.33
Annual div
$0.04
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.8K
Annual income
$0.05
Full TBNK 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 — TBNK vs ADC

📍 ADC 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 PeriodTBNKADC
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, TBNK + ADC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

TBNK
Annual income on $10K today (after 15% tax)
$40.82/yr
After 10yr DRIP, annual income (after tax)
$0.04/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, ADC beats the other by $67,700.12/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TBNK: 50%ADC: 50%
100% ADC50/50100% TBNK
Portfolio after 10yr
$98.3K
Annual income
$39,823.64/yr
Blended yield
40.49%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

TBNK
Analyst Ratings
1
Buy
6
Hold
Consensus: Hold
Price Target
$8.50
+2.0% upside vs current
Range: $8.50 — $8.50
Altman Z
0.2
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)

TBNK buys
0
ADC buys
0
No recent congressional trades found for TBNK or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTBNKADC
Forward yield0.48%4.11% ✓
Annual dividend / share$0.04$3.10 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%40.4% ✓
Portfolio after 10y$19.8K$176.9K ✓
Annual income after 10y$0.05$79,647.25 ✓
Total dividends collected$48.00$154.7K ✓
Payment frequencyquarterlymonthly
SectorStockREIT
Analyst consensusHoldBuy
Analyst price target$8.50$81.06 ✓

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

YearTBNK PortfolioTBNK Income/yrADC PortfolioADC Income/yrGap
1← crossover$10,724$24.01$10,987$577.21$263.00 → ADC
2$11,487$12.03$12,293$855.34$806.00 → ADC
3$12,297$6.02$14,088$1,290.70$1.8K → ADC
4$13,161$3.01$16,660$1,994.91$3.5K → ADC
5$14,083$1.51$20,525$3,181.85$6.4K → ADC
6$15,070$0.75$26,654$5,286.90$11.6K → ADC
7$16,125$0.38$37,006$9,259.47$20.9K → ADC
8$17,254$0.19$55,862$17,338.74$38.6K → ADC
9$18,462$0.09$93,452$35,300.32$75.0K → ADC
10$19,754$0.05$176,931$79,647.25$157.2K → ADC

TBNK vs ADC: Complete Analysis 2026

TBNK — Stock

Territorial Bancorp Inc. operates as the holding company for Territorial Savings Bank that provides various financial services to individuals, families, and businesses in the State of Hawaii. The company offers a range of deposit accounts, including passbook and statement savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts, and Super NOW accounts. It also provides various loan products comprising one-to four-family residential mortgage; home equity; consumer; multi-family mortgage; commercial business; and construction, commercial, and other nonresidential real estate loans, as well as lines of credit and investment securities. In addition, the company engages in insurance agency activities. Further, it provides various non-deposit investments, including annuities and mutual funds through a third-party broker-dealer. The company operates through a network of 29 full-service branches located in the state of Hawaii. Territorial Bancorp Inc. was founded in 1921 and is based in Honolulu, Hawaii.

Full TBNK 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.