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TCBC vs O: Dividend Comparison 2026

TCBC yields 0.46% · O yields 5.28%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 O wins by $13.9K in total portfolio value
10 years
TCBC
TCBC
● Live price
0.46%
Share price
$21.65
Annual div
$0.10
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.3K
Annual income
$47.60
Full TCBC calculator →
O
Realty Income Corporation
● Live price
5.28%
Share price
$61.18
Annual div
$3.23
5Y div CAGR
15.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.2K
Annual income
$5,098.20
Full O calculator →

Portfolio growth — TCBC vs O

📍 O 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 PeriodTCBCO
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, TCBC + O cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

TCBC
Annual income on $10K today (after 15% tax)
$39.26/yr
After 10yr DRIP, annual income (after tax)
$40.46/yr
O
Annual income on $10K today (after 15% tax)
$448.90/yr
After 10yr DRIP, annual income (after tax)
$4,333.47/yr
At 15% tax rate, O beats the other by $4,293.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TCBC + O for your $10,000?

TCBC: 50%O: 50%
100% O50/50100% TCBC
Portfolio after 10yr
$27.3K
Annual income
$2,572.90/yr
Blended yield
9.44%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on O right now

TCBC
No analyst data
Altman Z
-0.5
Piotroski
5/9
O
Analyst Ratings
13
Buy
18
Hold
3
Sell
Consensus: Hold
Price Target
$64.00
+4.6% upside vs current
Range: $60.00 — $69.00
Altman Z
1.0
Piotroski
5/9
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)

TCBC buys
0
O buys
0
No recent congressional trades found for TCBC or O in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTCBCO
Forward yield0.46%5.28% ✓
Annual dividend / share$0.10$3.23 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%15.1% ✓
Portfolio after 10y$20.3K$34.2K ✓
Annual income after 10y$47.60$5,098.20 ✓
Total dividends collected$470.00 ✓$20.7K
Payment frequencyquarterlymonthly
SectorStockREIT

Year-by-year: TCBC vs O ($10,000, DRIP)

YearTCBC PortfolioTCBC Income/yrO PortfolioO Income/yrGap
1← crossover$10,746$46.19$10,818$607.86$72.00 → O
2$11,545$46.39$11,786$741.30$241.00 → O
3$12,400$46.58$12,944$910.50$544.00 → O
4$13,314$46.75$14,343$1,127.28$1.0K → O
5$14,293$46.92$16,053$1,408.17$1.8K → O
6$15,341$47.07$18,167$1,776.65$2.8K → O
7$16,462$47.22$20,815$2,266.60$4.4K → O
8$17,661$47.35$24,179$2,927.66$6.5K → O
9$18,945$47.48$28,521$3,833.95$9.6K → O
10$20,319$47.60$34,218$5,098.20$13.9K → O

TCBC vs O: Complete Analysis 2026

TCBC — Stock

TC Bancshares, Inc. operates as the holding company for TC Federal Bank that provides various banking services for individual and commercial customers in the United States. It accepts various deposit products, including personal checking accounts, business checking accounts, savings accounts, money market accounts, and certificates of deposit. The company also offers lending products comprising single-family residential loans, home equity lines of credit, closed-end home equity loans, consumer loans, commercial and multi-family residential real estate loans, commercial and industrial loans, construction loans, land development loans, and SBA/USDA guaranteed loans. It operates one branch in Thomasville, Georgia, and one in Tallahassee, Florida, as well as loan production offices in Tallahassee, Florida and Savannah, Georgia. The company was founded in 1934 and is based in Thomasville, Georgia.

Full TCBC Calculator →

O — REIT

Realty Income, The Monthly Dividend Company, is an S&P 500 company dedicated to providing stockholders with dependable monthly income. The company is structured as a REIT, and its monthly dividends are supported by the cash flow from over 6,500 real estate properties owned under long-term lease agreements with our commercial clients. To date, the company has declared 608 consecutive common stock monthly dividends throughout its 52-year operating history and increased the dividend 109 times since Realty Income's public listing in 1994 (NYSE: O). The company is a member of the S&P 500 Dividend Aristocrats index. Additional information about the company can be obtained from the corporate website at www.realtyincome.com.

Full O 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.