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TCFC vs ARCC: Dividend Comparison 2026

TCFC yields 2.58% · ARCC yields 10.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 TCFC wins by $1.70M in total portfolio value· pulled ahead in Year 2
10 years
TCFC
TCFC
● Live price
2.58%
Share price
$27.09
Annual div
$0.70
5Y div CAGR
70.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.73M
Annual income
$1,260,350.72
Full TCFC calculator →
ARCC
Ares Capital Corporation
● Live price
10.82%
Share price
$17.74
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.16
Full ARCC calculator →

Portfolio growth — TCFC vs ARCC

📍 TCFC pulled ahead of the other in Year 2

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 PeriodTCFCARCC
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, TCFC + ARCC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
TCFC pays
ARCC pays
Both pay
Neither
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Tax Bracket Optimizer

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

TCFC
Annual income on $10K today (after 15% tax)
$219.64/yr
After 10yr DRIP, annual income (after tax)
$1,071,298.11/yr
ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/yr
At 15% tax rate, TCFC beats the other by $1,071,297.13/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TCFC + ARCC for your $10,000?

TCFC: 50%ARCC: 50%
100% ARCC50/50100% TCFC
Portfolio after 10yr
$876.3K
Annual income
$630,175.94/yr
Blended yield
71.92%
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Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

TCFC
Analyst Ratings
1
Buy
2
Hold
Consensus: Hold
Altman Z
0.5
Piotroski
7/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+23.3% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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)

TCFC buys
0
ARCC buys
0
No recent congressional trades found for TCFC or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTCFCARCC
Forward yield2.58%10.82%
Annual dividend / share$0.70$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR70.3%-50%
Portfolio after 10y$1.73M$24.5K
Annual income after 10y$1,260,350.72$1.16
Total dividends collected$1.66M$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

Year-by-year: TCFC vs ARCC ($10,000, DRIP)

YearTCFC PortfolioTCFC Income/yrARCC PortfolioARCC Income/yrGap
1$11,140$440.05$11,381$541.15$241.00ARCC
2← crossover$12,700$780.23$12,621$284.08+$79.00TCFC
3$15,005$1,415.70$13,827$145.31+$1.2KTCFC
4$18,717$2,662.11$15,062$73.43+$3.7KTCFC
5$25,313$5,285.29$16,364$36.89+$8.9KTCFC
6$38,461$11,376.20$17,757$18.49+$20.7KTCFC
7$68,664$27,511.07$19,258$9.25+$49.4KTCFC
8$151,642$78,171.76$20,880$4.63+$130.8KTCFC
9$437,029$274,771.27$22,636$2.32+$414.4KTCFC
10$1,727,971$1,260,350.72$24,539$1.16+$1.70MTCFC

TCFC vs ARCC: Complete Analysis 2026

TCFCStock

The Community Financial Corporation operates as the bank holding company for Community Bank of the Chesapeake that provides commercial and retail banking services to individuals and businesses. The company offers demand, savings, money market, and time deposit accounts, as well as certificates of deposit; and commercial real estate and other non-residential real estate, residential first mortgage, residential rental mortgage, construction and land development, home equity and second mortgage, commercial, consumer, and commercial equipment loans. It also provides safe deposit box, night depository, cash vault, automated clearinghouse transaction, wire transfer, automated teller machine (ATM), online and telephone banking, retail and business mobile banking, remote deposit capture, reciprocal deposit, merchant card, credit monitoring, investment, positive pay, payroll, account reconciliation, bill pay, credit card, and lockbox services. As of December 31, 2021, it operated 11 full services branches in Waldorf, Bryans Road, Dunkirk, Leonardtown, La Plata, Charlotte Hall, Prince Frederick, Lusby, and California, Maryland, as well as Fredericksburg, Virginia; 4 loan production offices in La Plata, Prince Frederick, and Leonardtown, Maryland, as well as Fredericksburg, Virginia; and 14 ATMs. The company was formerly known as Tri-County Financial Corporation and changed its name to The Community Financial Corporation in October 2013. The Community Financial Corporation was founded in 1950 and is headquartered in Waldorf, Maryland.

Full TCFC Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.