HomeCompareCFSB vs EPRT

CFSB vs EPRT: Dividend Comparison 2026

CFSB yields 14.04% · EPRT yields 3.97%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 EPRT wins by $14.0K in total portfolio value· pulled ahead in Year 9
10 years
CFSB
CFSB
● Live price
14.04%
Share price
$14.25
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$50.3K
Annual income
$3,349.15
Full CFSB calculator →
EPRT
EPRT
● Live price
3.97%
Share price
$30.36
Annual div
$1.21
5Y div CAGR
29%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$64.3K
Annual income
$13,170.85
Full EPRT calculator →

Portfolio growth — CFSB vs EPRT

📍 EPRT pulled ahead of the other in Year 9

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 PeriodCFSBEPRT
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, CFSB + EPRT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CFSB
Annual income on $10K today (after 15% tax)
$1,192.98/yr
After 10yr DRIP, annual income (after tax)
$2,846.78/yr
EPRT
Annual income on $10K today (after 15% tax)
$337.37/yr
After 10yr DRIP, annual income (after tax)
$11,195.22/yr
At 15% tax rate, EPRT beats the other by $8,348.45/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFSB: 50%EPRT: 50%
100% EPRT50/50100% CFSB
Portfolio after 10yr
$57.3K
Annual income
$8,260.01/yr
Blended yield
14.41%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

CFSB
No analyst data
Altman Z
-0.4
Piotroski
5/9
EPRT
Analyst Ratings
1
Strong
17
Buy
3
Hold
1
Sell
Consensus: Buy
Price Target
$35.50
+16.9% 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)

CFSB buys
0
EPRT buys
0
No recent congressional trades found for CFSB or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFSBEPRT
Forward yield14.04%3.97%
Annual dividend / share$2.00$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%29%
Portfolio after 10y$50.3K$64.3K
Annual income after 10y$3,349.15$13,170.85
Total dividends collected$23.4K$38.7K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearCFSB PortfolioCFSB Income/yrEPRT PortfolioEPRT Income/yrGap
1$12,104$1,403.51$11,212$512.01+$892.00CFSB
2$14,538$1,587.61$12,689$692.09+$1.8KCFSB
3$17,338$1,782.23$14,521$944.30+$2.8KCFSB
4$20,538$1,986.41$16,841$1,302.88+$3.7KCFSB
5$24,175$2,199.10$19,841$1,821.64+$4.3KCFSB
6$28,287$2,419.17$23,818$2,587.47+$4.5KCFSB
7$32,912$2,645.41$29,230$3,744.65+$3.7KCFSB
8$38,093$2,876.63$36,816$5,540.38+$1.3KCFSB
9← crossover$43,871$3,111.61$47,806$8,413.17$3.9KEPRT
10$50,291$3,349.15$64,324$13,170.85$14.0KEPRT

CFSB vs EPRT: Complete Analysis 2026

CFSBStock

CFSB Bancorp, Inc. focuses on operating as a holding company for Colonial Federal Savings Bank that provides various financial services to individuals and small businesses. It accepts various deposits, including non-interest-bearing checking accounts, interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit. The company also offers one- to four-family residential real estate loans, multi-family real estate loans, commercial real estate loans, second mortgage loans, home equity lines of credit, and consumer loans. In addition, it invests in various types of investment grade investment securities and liquid assets comprising the U.S. treasury obligations, securities of various government-sponsored enterprises, corporate debt, mortgage-backed securities, collateralized mortgage obligations, asset-backed securities, municipal obligations, mutual funds, and certificates of deposit of federally insured institutions. The company operates through three full-service banking offices and one limited-service branch office in Norfolk County, Massachusetts. The company was founded in 1889 and is based in Quincy, Massachusetts. CFSB Bancorp, Inc. operates as a subsidiary of 15 Beach, MHC.

Full CFSB 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.