Is USMT or FCPT a better dividend investment in 2026?

USMT currently yields 2.54% 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 USMT and FCPT?

USMT has a forward dividend yield of 2.54% ($0.13/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 3.51 percentage points.

Home › Compare › USMT vs FCPT

USMT vs FCPT: Dividend Comparison 2026

USMT yields 2.54% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 FCPT wins by $25.6K in total portfolio value

INVESTMENT

TIME HORIZON10 years

USMT

● Live price

2.54%

Share price

$5.11

Annual div

$0.13

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.5K

Annual income

$299.80

Full USMT 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 — USMT 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	USMT	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, USMT + FCPT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

USMT pays

FCPT pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

USMT

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

$216.24/yr

After 10yr DRIP, annual income (after tax)

$254.83/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 $4,654.16/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

USMT: 50%FCPT: 50%

100% FCPT50/50100% USMT

Portfolio after 10yr

$36.3K

Annual income

$3,037.54/yr

Blended yield

8.37%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

USMT

No analyst data

Altman Z

-0.9

Piotroski

5/9

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)

USMT buys

FCPT buys

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

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

MetricUSMTFCPT

Forward yield	2.54%	6.05% ✓
Annual dividend / share	$0.13	$1.43 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	15.8% ✓
Portfolio after 10y	$23.5K	$49.1K ✓
Annual income after 10y	$299.80	$5,775.28 ✓
Total dividends collected	$2.8K	$24.1K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

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

Year	USMT Portfolio	USMT Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$10,954	$254.40	$11,401	$700.92	$447.00 → FCPT
2	$11,982	$260.45	$13,064	$864.84	$1.1K → FCPT
3	$13,087	$266.24	$15,051	$1,072.48	$2.0K → FCPT
4	$14,274	$271.77	$17,442	$1,337.22	$3.2K → FCPT
5	$15,551	$277.04	$20,340	$1,677.08	$4.8K → FCPT
6	$16,921	$282.07	$23,880	$2,116.57	$7.0K → FCPT
7	$18,393	$286.85	$28,241	$2,689.36	$9.8K → FCPT
8	$19,972	$291.39	$33,660	$3,442.07	$13.7K → FCPT
9	$21,665	$295.71	$40,456	$4,439.95	$18.8K → FCPT
10	$23,482	$299.80	$49,063	$5,775.28	$25.6K → FCPT

USMT vs FCPT: Complete Analysis 2026

USMT — Stock

US Metro Bancorp, Inc. operates as the bank holding company for US Metro Bank that provides various banking services to commercial business and individual consumers. The company's deposit products include checking, savings, money market, and certificate of deposit accounts, as well as treasury management services. It also offers real estate, business term and lines of credit, and small business administration loans, as well as construction and warehouse lending services. In addition, the company provides online and mobile banking, ATM, telebanc, and wire transfer services, as well as safe deposit box and debit card services. As of August 24, 2021, it operated five branches in Southern California; and loan production offices in Dallas, Seattle, New York, and Atlanta. The company was founded in 2006 and is headquartered in Garden Grove, California.

Full USMT 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 USMT vs FCPT comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

USMT vs SCHD USMT vs JEPI USMT vs O USMT vs KO USMT 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.