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EFIN vs ADC: Dividend Comparison 2026

EFIN yields 2.41% · ADC yields 4.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 EFIN wins by $146.18M in total portfolio value
10 years
EFIN
EFIN
● Live price
2.41%
Share price
$66.45
Annual div
$1.60
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$146.36M
Annual income
$135,547,160.65
Full EFIN calculator →
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →

Portfolio growth — EFIN vs ADC

📍 EFIN 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 PeriodEFINADC
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, EFIN + ADC cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

EFIN
Annual income on $10K today (after 15% tax)
$204.67/yr
After 10yr DRIP, annual income (after tax)
$115,215,086.55/yr
ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
At 15% tax rate, EFIN beats the other by $115,146,408.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of EFIN + ADC for your $10,000?

EFIN: 50%ADC: 50%
100% ADC50/50100% EFIN
Portfolio after 10yr
$73.27M
Annual income
$67,813,978.97/yr
Blended yield
92.55%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

EFIN
No analyst data
Altman Z
-0.6
Piotroski
2/9
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% upside vs current
Range: $75.00 — $84.50
Altman Z
1.6
Piotroski
7/9
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)

EFIN buys
0
ADC buys
0
No recent congressional trades found for EFIN or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEFINADC
Forward yield2.41%4.13% ✓
Annual dividend / share$1.60$3.10 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓40.4%
Portfolio after 10y$146.36M$178.9K ✓
Annual income after 10y$135,547,160.65 ✓$80,797.29
Total dividends collected$145.53M$156.7K ✓
Payment frequencyquarterlymonthly
SectorStockREIT

Year-by-year: EFIN vs ADC ($10,000, DRIP)

YearEFIN PortfolioEFIN Income/yrADC PortfolioADC Income/yrGap
1← crossover$11,182$481.57$10,990$580.36+$192.00 → EFIN
2$12,971$1,006.48$12,301$860.26+$670.00 → EFIN
3$16,061$2,182.29$14,104$1,298.62+$2.0K → EFIN
4$22,236$5,050.87$16,691$2,008.16+$5.5K → EFIN
5$36,863$13,070.71$20,580$3,205.09+$16.3K → EFIN
6$79,946$40,502.43$26,754$5,330.02+$53.2K → EFIN
7$249,726$164,183.82$37,196$9,345.14+$212.5K → EFIN
8$1,225,819$958,611.86$56,244$17,523.09+$1.17M → EFIN
9$10,106,935$8,795,308.61$94,286$35,736.21+$10.01M → EFIN
10$146,361,581$135,547,160.65$178,949$80,797.29+$146.18M → EFIN

EFIN vs ADC: Complete Analysis 2026

EFIN — Stock

Eastern Michigan Financial Corporation operates as the bank holding company for Eastern Michigan Bank that provides retail and commercial banking services in Michigan. The company offers interest- and noninterest-bearing checking and savings accounts, individual retirement accounts, time deposits, and certificates of deposit. It also provides home equity lines of credit, home equity term loans, automobile and truck loans, home mortgage loans, unsecured personal loans, and student loans, as well as RV, motorcycle, snowmobile, jet ski, boat, and ATV loans; equipment financing and loans, vehicle loans, working capital lines of credit, commercial real estate loans, construction and land development loans, multi-family dwelling loans, and small business association loans; and farm, construction, livestock, FSA guaranteed, and long term fixed rates loans services. In addition, the company offers cash management, online and mobile banking, bill pay, debit and credit cards, gift cards, telephone and voice response banking, electronic payment, merchant, remote deposit capture, lockbox, night deposit, notary, and safe deposit box services. It operates through nine branches in the counties of Sanilac, Huron, and St. Clair, Michigan. The company was founded in 1895 and is headquartered in Croswell, Michigan.

Full EFIN Calculator →

ADC — REIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC 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.