Is TFILX or FCPT a better dividend investment in 2026?

TFILX currently yields 3.53% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: FCPT offers higher current income.

What is the dividend yield difference between TFILX and FCPT?

TFILX has a forward dividend yield of 3.53% ($0.33/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 2.52 percentage points.

Home › Compare › TFILX vs FCPT

TFILX vs FCPT: Dividend Comparison 2026

TFILX yields 3.53% · FCPT yields 6.05%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 FCPT wins by $23.9K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TFILX

● Live price

3.53%

Share price

$9.30

Annual div

$0.33

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.1K

Annual income

$443.44

Full TFILX calculator →

FCPT

● Live price

6.05%

Share price

$23.65

Annual div

$1.43

5Y div CAGR

15.8%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$49.1K

Annual income

$5,775.28

Full FCPT calculator →

Portfolio growth — TFILX vs FCPT

📍 FCPT 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 Period	TFILX	FCPT
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, TFILX + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

TFILX pays

FCPT pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

TFILX

Annual income on $10K today (after 15% tax)

$300.32/yr

After 10yr DRIP, annual income (after tax)

$376.92/yr

FCPT

Annual income on $10K today (after 15% tax)

$514.49/yr

After 10yr DRIP, annual income (after tax)

$4,908.99/yr

At 15% tax rate, FCPT beats the other by $4,532.06/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TFILX + FCPT for your $10,000?

TFILX: 50%FCPT: 50%

100% FCPT50/50100% TFILX

Portfolio after 10yr

$37.1K

Annual income

$3,109.36/yr

Blended yield

8.38%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

TFILX

No analyst data

Altman Z

19676.1

Piotroski

6/9

FCPT

Analyst Ratings

Buy

Hold

Consensus: Hold

Price Target

$27.00

+14.2% upside vs current

Range: $25.00 — $29.00

Altman Z

1.4

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)

TFILX buys

FCPT buys

No recent congressional trades found for TFILX or FCPT in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricTFILXFCPT

Forward yield	3.53%	6.05% ✓
Annual dividend / share	$0.33	$1.43 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	15.8% ✓
Portfolio after 10y	$25.1K	$49.1K ✓
Annual income after 10y	$443.44	$5,775.28 ✓
Total dividends collected	$4.0K	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

Year-by-year: TFILX vs FCPT ($10,000, DRIP)

Year	TFILX Portfolio	TFILX Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$11,053	$353.31	$11,401	$700.92	$348.00 → FCPT
2	$12,192	$364.98	$13,064	$864.84	$872.00 → FCPT
3	$13,422	$376.24	$15,051	$1,072.48	$1.6K → FCPT
4	$14,748	$387.09	$17,442	$1,337.22	$2.7K → FCPT
5	$16,178	$397.53	$20,340	$1,677.08	$4.2K → FCPT
6	$17,718	$407.54	$23,880	$2,116.57	$6.2K → FCPT
7	$19,376	$417.13	$28,241	$2,689.36	$8.9K → FCPT
8	$21,158	$426.31	$33,660	$3,442.07	$12.5K → FCPT
9	$23,074	$435.08	$40,456	$4,439.95	$17.4K → FCPT
10	$25,133	$443.44	$49,063	$5,775.28	$23.9K → FCPT

TFILX vs FCPT: Complete Analysis 2026

TFILX — Stock

Normally, at least 80% of the fund's income will be exempt from federal income taxes. Although the fund may purchase securities of any maturity, the fund generally seeks longer-term municipal securities. Most investments are in investment-grade securities, which are securities rated in one of the four highest credit rating categories by at least one major credit rating agency or, if unrated, deemed to be of comparable quality by T. Rowe Price.

Full TFILX Calculator →

FCPT — REIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT Calculator →

📬

Get this TFILX vs FCPT comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

TFILX vs SCHD TFILX vs JEPI TFILX vs O TFILX vs KO TFILX vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.