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TCFC vs DVY: Dividend Comparison 2026

TCFC yields 2.58% · DVY yields 3.50%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 TCFC wins by $1.70M in total portfolio value
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 →
DVY
DVY
● Live price
3.50%
Share price
$150.03
Annual div
$5.25
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.1K
Annual income
$437.78
Full DVY calculator →

Portfolio growth — TCFC vs DVY

📍 TCFC 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 PeriodTCFCDVY
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 + DVY cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
TCFC pays
DVY 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
DVY
Annual income on $10K today (after 15% tax)
$297.17/yr
After 10yr DRIP, annual income (after tax)
$372.11/yr
At 15% tax rate, TCFC beats the other by $1,070,926.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TCFC: 50%DVY: 50%
100% DVY50/50100% TCFC
Portfolio after 10yr
$876.5K
Annual income
$630,394.25/yr
Blended yield
71.92%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on TCFC right now

TCFC
Analyst Ratings
1
Buy
2
Hold
Consensus: Hold
Altman Z
0.5
Piotroski
7/9
DVY
No analyst data
Altman Z
307.5
Piotroski
1/9
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
DVY buys
0
No recent congressional trades found for TCFC or DVY in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTCFCDVY
Forward yield2.58%3.50% ✓
Annual dividend / share$0.70$5.25 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR70.3% ✓0%
Portfolio after 10y$1.73M$25.1K ✓
Annual income after 10y$1,260,350.72 ✓$437.78
Total dividends collected$1.66M$4.0K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearTCFC PortfolioTCFC Income/yrDVY PortfolioDVY Income/yrGap
1← crossover$11,140$440.05$11,050$349.62+$90.00 → TCFC
2$12,700$780.23$12,184$361.04+$516.00 → TCFC
3$15,005$1,415.70$13,409$372.07+$1.6K → TCFC
4$18,717$2,662.11$14,730$382.68+$4.0K → TCFC
5$25,313$5,285.29$16,154$392.89+$9.2K → TCFC
6$38,461$11,376.20$17,688$402.69+$20.8K → TCFC
7$68,664$27,511.07$19,338$412.07+$49.3K → TCFC
8$151,642$78,171.76$21,113$421.04+$130.5K → TCFC
9$437,029$274,771.27$23,020$429.61+$414.0K → TCFC
10$1,727,971$1,260,350.72$25,070$437.78+$1.70M → TCFC

TCFC vs DVY: Complete Analysis 2026

TCFC — Stock

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 →

DVY — ETF

The iShares Select Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full DVY 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.