Home › Compare › CZNB vs EPRT

CZNB vs EPRT: Dividend Comparison 2026

CZNB yields 2000000.00% · EPRT yields 3.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 CZNB wins by $1.6088281902868016e+32M in total portfolio value
10 years
CZNB
CZNB
● Live price
2000000.00%
Share price
$0.00
Annual div
$2.00
5Y div CAGR
-26.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.6088281902868016e+32M
Annual income
$160,520,438,920,596,040,000,000,000,000,000,000,000.00
Full CZNB 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 — CZNB vs EPRT

📍 CZNB 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 PeriodCZNBEPRT
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, CZNB + EPRT cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CZNB
Annual income on $10K today (after 15% tax)
$170,000,000.00/yr
After 10yr DRIP, annual income (after tax)
$136,442,373,082,506,640,000,000,000,000,000,000,000.00/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, CZNB beats the other by $136,442,373,082,506,640,000,000,000,000,000,000,000.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CZNB: 50%EPRT: 50%
100% EPRT50/50100% CZNB
Portfolio after 10yr
$8.044140951434008e+31M
Annual income
$80,260,219,460,298,020,000,000,000,000,000,000,000.00/yr
Blended yield
99.77%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

CZNB
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)

CZNB buys
0
EPRT buys
0
No recent congressional trades found for CZNB or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZNBEPRT
Forward yield2000000.00% ✓3.92%
Annual dividend / share$2.00 ✓$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-26.9%29% ✓
Portfolio after 10y$1.6088281902868016e+32M$63.4K ✓
Annual income after 10y$160,520,438,920,596,040,000,000,000,000,000,000,000.00 ✓$12,840.73
Total dividends collected$1.6085907776646741e+32M$37.9K ✓
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearCZNB PortfolioCZNB Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$146,210,700$146,200,000.00$11,205$505.18+$146.20M → CZNB
2$1,460,517,115,780$1,460,360,670,330.84$12,672$682.46+$1460517.10M → CZNB
3$9,967,570,536,270,028$9,966,007,782,956,144.00$14,490$930.48+$9967570536.26M → CZNB
4$46,476,900,685,019,410,000$46,466,235,384,545,600,000.00$16,786$1,282.69+$46476900685019.39M → CZNB
5$148,069,229,004,952,620,000,000$148,019,498,721,219,650,000,000.00$19,753$1,791.56+$148069229004952608.00M → CZNB
6$322,324,789,449,701,950,000,000,000$322,166,355,374,666,700,000,000,000.00$23,677$2,541.64+$322324789449701982208.00M → CZNB
7$479,463,095,715,790,140,000,000,000,000$479,118,208,191,078,900,000,000,000,000.00$29,008$3,672.99+$4.794630957157902e+23M → CZNB
8$487,410,758,732,831,160,000,000,000,000,000$486,897,733,220,415,300,000,000,000,000,000.00$36,463$5,425.08+$4.8741075873283114e+26M → CZNB
9$338,672,998,209,461,400,000,000,000,000,000,000$338,151,468,697,617,300,000,000,000,000,000,000.00$47,238$8,221.57+$3.3867299820946145e+29M → CZNB
10$160,882,819,028,680,150,000,000,000,000,000,000,000$160,520,438,920,596,040,000,000,000,000,000,000,000.00$63,385$12,840.73+$1.6088281902868016e+32M → CZNB

CZNB vs EPRT: Complete Analysis 2026

CZNB — Stock

Citizens Bancorp was founded in 1995 and is based in Nevada City, California.

Full CZNB Calculator →

EPRT — REIT

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 →
📬

Get this CZNB vs EPRT comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CZNB vs SCHDCZNB vs JEPICZNB vs OCZNB vs KOCZNB 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.