Is ZIONL or FCPT a better dividend investment in 2026?

ZIONL currently yields 9.59% with a 5% 5-year dividend growth rate. FCPT yields 6.05% with 5% growth. The better choice depends on your goal: ZIONL offers higher current income.

What is the dividend yield difference between ZIONL and FCPT?

ZIONL has a forward dividend yield of 9.59% ($2.40/share annually). FCPT yields 6.05% ($1.43/share annually). The yield gap is 3.54 percentage points.

Home › Compare › ZIONL vs FCPT

ZIONL vs FCPT: Dividend Comparison 2026

ZIONL yields 9.59% · FCPT yields 6.05%● Live data

vsPost on X →

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

🏆 ZIONL wins by $25.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ZIONL

● Live price

9.59%

Share price

$25.00

Annual div

$2.40

5Y div CAGR

14.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$74.8K

Annual income

$12,058.97

Full ZIONL 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 — ZIONL vs FCPT

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ZIONL pays

FCPT pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

ZIONL

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

$814.88/yr

After 10yr DRIP, annual income (after tax)

$10,250.12/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, ZIONL beats the other by $5,341.14/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

ZIONL: 50%FCPT: 50%

100% FCPT50/50100% ZIONL

Portfolio after 10yr

$62.0K

Annual income

$8,917.13/yr

Blended yield

14.39%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

ZIONL

No analyst data

Altman Z

0.5

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)

ZIONL buys

FCPT buys

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

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

MetricZIONLFCPT

Forward yield	9.59% ✓	6.05%
Annual dividend / share	$2.40 ✓	$1.43
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	14.7%	15.8% ✓
Portfolio after 10y	$74.8K ✓	$49.1K
Annual income after 10y	$12,058.97 ✓	$5,775.28
Total dividends collected	$45.9K ✓	$24.1K
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

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

Year	ZIONL Portfolio	ZIONL Income/yr	FCPT Portfolio	FCPT Income/yr	Gap
1← crossover	$11,800	$1,099.62	$11,401	$700.92	+$399.00 → ZIONL
2	$14,016	$1,390.88	$13,064	$864.84	+$952.00 → ZIONL
3	$16,769	$1,771.08	$15,051	$1,072.48	+$1.7K → ZIONL
4	$20,214	$2,271.32	$17,442	$1,337.22	+$2.8K → ZIONL
5	$24,564	$2,935.00	$20,340	$1,677.08	+$4.2K → ZIONL
6	$30,107	$3,823.27	$23,880	$2,116.57	+$6.2K → ZIONL
7	$37,237	$5,023.19	$28,241	$2,689.36	+$9.0K → ZIONL
8	$46,504	$6,660.01	$33,660	$3,442.07	+$12.8K → ZIONL
9	$58,675	$8,915.92	$40,456	$4,439.95	+$18.2K → ZIONL
10	$74,841	$12,058.97	$49,063	$5,775.28	+$25.8K → ZIONL

ZIONL vs FCPT: Complete Analysis 2026

ZIONL — Stock

Zions Bancorporation engages in the provision of banking and related services and offers commercial, retail banking and mortgage lending products & services. Its products involves personal banking services to individuals, including home mortgages, bankcard, other installment loans, home equity lines of credit, checking accounts, savings accounts, certificates of deposit of various types and maturities, trust services, safe deposit facilities, direct deposit, and Internet & mobile banking. The company was founded in April 1955 and is headquartered in Salt Lake City, UT.

Full ZIONL 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 ZIONL vs FCPT comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

ZIONL vs SCHD ZIONL vs JEPI ZIONL vs O ZIONL vs KO ZIONL 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.