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ELMA vs PEP: Dividend Comparison 2026

ELMA yields 2.54% · PEP yields 3.63%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ELMA wins by $188.02M in total portfolio value
10 years
ELMA
ELMA
● Live price
2.54%
Share price
$23.60
Annual div
$0.60
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$188.16M
Annual income
$174,944,462.78
Full ELMA calculator →
PEP
PepsiCo Inc.
● Live price
3.63%
Share price
$156.82
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$141.9K
Annual income
$61,875.67
Full PEP calculator →

Portfolio growth — ELMA vs PEP

📍 ELMA 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 PeriodELMAPEP
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%.
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Dividend Calendar Overlap

Combined, ELMA + PEP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

ELMA
Annual income on $10K today (after 15% tax)
$216.10/yr
After 10yr DRIP, annual income (after tax)
$148,702,793.36/yr
PEP
Annual income on $10K today (after 15% tax)
$308.41/yr
After 10yr DRIP, annual income (after tax)
$52,594.32/yr
At 15% tax rate, ELMA beats the other by $148,650,199.04/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ELMA + PEP for your $10,000?

ELMA: 50%PEP: 50%
100% PEP50/50100% ELMA
Portfolio after 10yr
$94.15M
Annual income
$87,503,169.23/yr
Blended yield
92.94%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

ELMA
No analyst data
Altman Z
0.3
Piotroski
3/9
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+10.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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)

ELMA buys
0
PEP buys
0
No recent congressional trades found for ELMA or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricELMAPEP
Forward yield2.54%3.63%
Annual dividend / share$0.60$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%40.4%
Portfolio after 10y$188.16M$141.9K
Annual income after 10y$174,944,462.78$61,875.67
Total dividends collected$187.16M$123.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: ELMA vs PEP ($10,000, DRIP)

YearELMA PortfolioELMA Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$11,208$508.47$10,849$509.42+$359.00ELMA
2$13,058$1,065.28$11,969$750.47+$1.1KELMA
3$16,292$2,319.80$13,500$1,124.14+$2.8KELMA
4$22,843$5,409.89$15,680$1,721.66+$7.2KELMA
5$38,619$14,177.48$18,929$2,715.34+$19.7KELMA
6$86,125$44,802.44$24,023$4,450.80+$62.1KELMA
7$278,910$186,756.08$32,510$7,669.92+$246.4KELMA
8$1,428,896$1,130,462.73$47,709$14,093.60+$1.38MELMA
9$12,354,210$10,825,291.75$77,415$28,083.48+$12.28MELMA
10$188,163,468$174,944,462.78$141,922$61,875.67+$188.02MELMA

ELMA vs PEP: Complete Analysis 2026

ELMAStock

Elmer Bancorp, Inc. operates as the bank holding company for The First National Bank of Elmer that provides various business and personal banking products and services. It provides checking, money market, savings, NOW, Christmas club, and individual retirement accounts; and certificates of deposit. The company also offers business loans comprising owner occupied real estate, investment real estate, agricultural, business expansion, vehicle, term, construction, and construction to permanent loans, as well as business lines of credit and letters of credit; and small business administration loans, term loans, home equity loans, lines of credit, residential mortgages, consumer loans, and commercial mortgages. In addition, it provides merchant, cash management, remote deposit capture, and electronic bill payments services; mobile, text message, and online banking services; VISA check cards; and debit and credit cards. The company offers its products and services through six full-service branch offices located in Cumberland, Gloucester, and Salem Counties, New Jersey. Elmer Bancorp, Inc. was founded in 1903 and is based in Elmer, New Jersey.

Full ELMA Calculator →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.