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AMRB vs EPRT: Dividend Comparison 2026

AMRB yields 24.75% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 AMRB wins by $33.9K in total portfolio value
10 years
AMRB
AMRB
● Live price
24.75%
Share price
$20.91
Annual div
$5.18
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$97.3K
Annual income
$10,874.44
Full AMRB calculator →
EPRT
EPRT
● Live price
3.92%
Share price
$30.77
Annual div
$1.21
5Y div CAGR
29%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$63.4K
Annual income
$12,840.73
Full EPRT calculator →

Portfolio growth — AMRB vs EPRT

📍 AMRB pulled ahead of the other in Year 1

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 PeriodAMRBEPRT
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, AMRB + EPRT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

AMRB
Annual income on $10K today (after 15% tax)
$2,103.77/yr
After 10yr DRIP, annual income (after tax)
$9,243.27/yr
EPRT
Annual income on $10K today (after 15% tax)
$332.87/yr
After 10yr DRIP, annual income (after tax)
$10,914.62/yr
At 15% tax rate, EPRT beats the other by $1,671.35/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of AMRB + EPRT for your $10,000?

AMRB: 50%EPRT: 50%
100% EPRT50/50100% AMRB
Portfolio after 10yr
$80.3K
Annual income
$11,857.58/yr
Blended yield
14.76%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

AMRB
No analyst data
EPRT
Analyst Ratings
1
Strong
17
Buy
3
Hold
1
Sell
Consensus: Buy
Price Target
$35.50
+15.4% upside vs current
Range: $33.00 — $37.00
Altman Z
1.8
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)

AMRB buys
0
EPRT buys
0
No recent congressional trades found for AMRB or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAMRBEPRT
Forward yield24.75%3.92%
Annual dividend / share$5.18$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%29%
Portfolio after 10y$97.3K$63.4K
Annual income after 10y$10,874.44$12,840.73
Total dividends collected$61.3K$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT

Year-by-year: AMRB vs EPRT ($10,000, DRIP)

YearAMRB PortfolioAMRB Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$13,175$2,475.03$11,205$505.18+$2.0KAMRB
2$17,145$3,047.53$12,672$682.46+$4.5KAMRB
3$22,051$3,706.34$14,490$930.48+$7.6KAMRB
4$28,050$4,455.15$16,786$1,282.69+$11.3KAMRB
5$35,310$5,296.37$19,753$1,791.56+$15.6KAMRB
6$44,013$6,231.00$23,677$2,541.64+$20.3KAMRB
7$54,352$7,258.63$29,008$3,672.99+$25.3KAMRB
8$66,534$8,377.42$36,463$5,425.08+$30.1KAMRB
9$80,776$9,584.17$47,238$8,221.57+$33.5KAMRB
10$97,304$10,874.44$63,385$12,840.73+$33.9KAMRB

AMRB vs EPRT: Complete Analysis 2026

AMRBStock

American River Bankshares operates as a bank holding company, which engages in financial services. The company is headquartered in Rancho Cordova, California and currently employs 104 full-time employees. The firm's banking subsidiary is American River Bank (the Bank). The Bank's primary business is serving the commercial banking needs of small to mid-sized businesses. The Bank accepts checking and savings deposits; offers money market deposit accounts and certificates of deposit; makes secured and unsecured commercial loans, secured real estate loans, and other installment and term loans, and offers other customary banking services. The Bank also conducts lease financing for various types of business equipment, from computer software to heavy earth-moving equipment. The company serves various communities located in Sacramento, Placer, Yolo, El Dorado, Sonoma and Amador counties. The company also serves Alameda, Contra Costa and Santa Clara Counties through loan production offices located in the Cities of San Jose and San Ramon. Its loans include real estate construction loans; lease financing receivable; agriculture loans, and consumer loans.

Full AMRB Calculator →

EPRTREIT

Essential Properties Realty Trust, Inc., a real estate company, acquires, owns, and manages single-tenant properties in the United States. The company leases its properties to middle-market companies, such as restaurants, car washes, automotive services, medical and dental services, convenience stores, equipment rental, entertainment, early childhood education, grocery, and health and fitness on a long-term basis. As of December 31, 2021, it had a portfolio of 1, 451 properties. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was founded in 2016 and is headquartered in Princeton, New Jersey.

Full EPRT 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.