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TCFC vs GIS: Dividend Comparison 2026

TCFC yields 2.58% · GIS yields 6.53%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 TCFC wins by $1.65M in total portfolio value· pulled ahead in Year 4
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 →
GIS
GIS
● Live price
6.53%
Share price
$37.22
Annual div
$2.43
5Y div CAGR
22.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.8K
Annual income
$16,211.26
Full GIS calculator →

Portfolio growth — TCFC vs GIS

📍 TCFC pulled ahead of the other in Year 4

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 PeriodTCFCGIS
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 + GIS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
TCFC pays
GIS pays
Both pay
Neither
💰

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
GIS
Annual income on $10K today (after 15% tax)
$554.94/yr
After 10yr DRIP, annual income (after tax)
$13,779.57/yr
At 15% tax rate, TCFC beats the other by $1,057,518.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TCFC: 50%GIS: 50%
100% GIS50/50100% TCFC
Portfolio after 10yr
$903.4K
Annual income
$638,280.99/yr
Blended yield
70.65%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on GIS right now

TCFC
Analyst Ratings
1
Buy
2
Hold
Consensus: Hold
Altman Z
0.5
Piotroski
7/9
GIS
Analyst Ratings
9
Buy
19
Hold
6
Sell
Consensus: Hold
Price Target
$47.42
+27.4% upside vs current
Range: $35.00 — $63.00
Altman Z
2.2
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TCFC buys
0
GIS buys
0
No recent congressional trades found for TCFC or GIS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTCFCGIS
Forward yield2.58%6.53%
Annual dividend / share$0.70$2.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR70.3%22.8%
Portfolio after 10y$1.73M$78.8K
Annual income after 10y$1,260,350.72$16,211.26
Total dividends collected$1.66M$50.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

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

YearTCFC PortfolioTCFC Income/yrGIS PortfolioGIS Income/yrGap
1$11,140$440.05$11,502$801.73$362.00GIS
2$12,700$780.23$13,365$1,058.29$665.00GIS
3$15,005$1,415.70$15,712$1,411.34$707.00GIS
4← crossover$18,717$2,662.11$18,716$1,904.17+$1.00TCFC
5$25,313$5,285.29$22,629$2,603.16+$2.7KTCFC
6$38,461$11,376.20$27,826$3,612.21+$10.6KTCFC
7$68,664$27,511.07$34,871$5,097.54+$33.8KTCFC
8$151,642$78,171.76$44,643$7,331.52+$107.0KTCFC
9$437,029$274,771.27$58,541$10,772.15+$378.5KTCFC
10$1,727,971$1,260,350.72$78,850$16,211.26+$1.65MTCFC

TCFC vs GIS: 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 →

GISConsumer Staples

General Mills, Inc. manufactures and markets branded consumer foods worldwide. The company operates in five segments: North America Retail; Convenience Stores & Foodservice; Europe & Australia; Asia & Latin America; and Pet. It offers ready-to-eat cereals, refrigerated yogurt, soup, meal kits, refrigerated and frozen dough products, dessert and baking mixes, bakery flour, frozen pizza and pizza snacks, snack bars, fruit and salty snacks, ice cream, nutrition bars, wellness beverages, and savory and grain snacks, as well as various organic products, including frozen and shelf-stable vegetables. It also supplies branded and unbranded food products to the North American foodservice and commercial baking industries; and manufactures and markets pet food products, including dog and cat food. The company markets its products under the Annie's, Betty Crocker, Bisquick, Blue Buffalo, Blue Basics, Blue Freedom, Bugles, Cascadian Farm, Cheerios, Chex, Cinnamon Toast Crunch, Cocoa Puffs, Cookie Crisp, EPIC, Fiber One, Food Should Taste Good, Fruit by the Foot, Fruit Gushers, Fruit Roll-Ups, Gardetto's, Go-Gurt, Gold Medal, Golden Grahams, Häagen-Dazs, Helpers, Jus-Rol, Kitano, Kix, Lärabar, Latina, Liberté, Lucky Charms, Muir Glen, Nature Valley, Oatmeal Crisp, Old El Paso, Oui, Pillsbury, Progresso, Raisin Nut Bran, Total, Totino's, Trix, Wanchai Ferry, Wheaties, Wilderness, Yoki, and Yoplait trademarks. It sells its products directly, as well as through broker and distribution arrangements to grocery stores, mass merchandisers, membership stores, natural food chains, e-commerce retailers, commercial and noncommercial foodservice distributors and operators, restaurants, convenience stores, and pet specialty stores, as well as drug, dollar, and discount chains. The company operates 466 leased and 392 franchise ice cream parlors. General Mills, Inc. was founded in 1866 and is headquartered in Minneapolis, Minnesota.

Full GIS 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.