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WFCL vs O: Dividend Comparison 2026

WFCL yields 1.74% · O yields 5.28%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 O wins by $12.0K in total portfolio value· pulled ahead in Year 3
10 years
WFCL
WFCL
● Live price
1.74%
Share price
$8,500.00
Annual div
$148.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.2K
Annual income
$194.89
Full WFCL calculator →
O
Realty Income Corporation
● Live price
5.28%
Share price
$61.18
Annual div
$3.23
5Y div CAGR
15.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.2K
Annual income
$5,098.20
Full O calculator →

Portfolio growth — WFCL vs O

📍 O pulled ahead of the other in Year 3

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 PeriodWFCLO
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, WFCL + O cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
WFCL pays
O pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

WFCL
Annual income on $10K today (after 15% tax)
$148.00/yr
After 10yr DRIP, annual income (after tax)
$165.66/yr
O
Annual income on $10K today (after 15% tax)
$448.90/yr
After 10yr DRIP, annual income (after tax)
$4,333.47/yr
At 15% tax rate, O beats the other by $4,167.81/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of WFCL + O for your $10,000?

WFCL: 50%O: 50%
100% O50/50100% WFCL
Portfolio after 10yr
$28.2K
Annual income
$2,646.55/yr
Blended yield
9.38%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on O right now

WFCL
No analyst data
O
Analyst Ratings
13
Buy
18
Hold
3
Sell
Consensus: Hold
Price Target
$64.00
+4.6% upside vs current
Range: $60.00 — $69.00
Altman Z
1.0
Piotroski
5/9
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)

WFCL buys
0
O buys
0
No recent congressional trades found for WFCL or O in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricWFCLO
Forward yield1.74%5.28% ✓
Annual dividend / share$148.00 ✓$3.23
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%15.1% ✓
Portfolio after 10y$22.2K$34.2K ✓
Annual income after 10y$194.89$5,098.20 ✓
Total dividends collected$1.9K$20.7K ✓
Payment frequencyquarterlymonthly
SectorStockREIT

Year-by-year: WFCL vs O ($10,000, DRIP)

YearWFCL PortfolioWFCL Income/yrO PortfolioO Income/yrGap
1$10,874$174.12$10,818$607.86+$56.00 → WFCL
2$11,812$176.95$11,786$741.30+$26.00 → WFCL
3← crossover$12,819$179.64$12,944$910.50$125.00 → O
4$13,898$182.20$14,343$1,127.28$445.00 → O
5$15,056$184.62$16,053$1,408.17$997.00 → O
6$16,297$186.91$18,167$1,776.65$1.9K → O
7$17,626$189.08$20,815$2,266.60$3.2K → O
8$19,051$191.13$24,179$2,927.66$5.1K → O
9$20,578$193.06$28,521$3,833.95$7.9K → O
10$22,213$194.89$34,218$5,098.20$12.0K → O

WFCL vs O: Complete Analysis 2026

WFCL — Stock

1867 Western Financial Corporation operates as the bank holding company for Bank of Stockton that provides various banking products and services. It offers checking, savings, and money market accounts; certificates of deposit; and debit and credit cards. The company also provides home, vehicle, personal, term, real estate, and agricultural loans; and construction lending, home equity lines of credit, revolving lines of credit, home refinancing, and overdraft protection services. In addition, it offers wealth management services, including investment management, corporate trustee, estate planning, executor/co-executor, estate settlement, custody, trustee agency, and retirement planning services; and retail investment and insurance services. Further, the company provides bill pay, ATM, online cash management, payroll direct deposit, payroll preparation, personnel reporting system, merchant, merchant BankCard acceptance, remote deposit, and automatic funds credit services; and Internet, mobile, and telephone banking services. 1867 Western Financial Corporation was founded in 1867 and is based in Stockton, California.

Full WFCL Calculator →

O — REIT

Realty Income, The Monthly Dividend Company, is an S&P 500 company dedicated to providing stockholders with dependable monthly income. The company is structured as a REIT, and its monthly dividends are supported by the cash flow from over 6,500 real estate properties owned under long-term lease agreements with our commercial clients. To date, the company has declared 608 consecutive common stock monthly dividends throughout its 52-year operating history and increased the dividend 109 times since Realty Income's public listing in 1994 (NYSE: O). The company is a member of the S&P 500 Dividend Aristocrats index. Additional information about the company can be obtained from the corporate website at www.realtyincome.com.

Full O 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.