HomeCompareEMCF vs ADC

EMCF vs ADC: Dividend Comparison 2026

EMCF yields 68.61% · ADC yields 4.13%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EMCF wins by $159.60M in total portfolio value
10 years
EMCF
EMCF
● Live price
68.61%
Share price
$31.60
Annual div
$21.68
5Y div CAGR
22.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$159.78M
Annual income
$115,005,568.27
Full EMCF 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 — EMCF vs ADC

📍 EMCF 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 PeriodEMCFADC
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, EMCF + ADC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
EMCF pays
ADC pays
Both pay
Neither
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Tax Bracket Optimizer

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

EMCF
Annual income on $10K today (after 15% tax)
$5,831.65/yr
After 10yr DRIP, annual income (after tax)
$97,754,733.03/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, EMCF beats the other by $97,686,055.33/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

EMCF: 50%ADC: 50%
100% ADC50/50100% EMCF
Portfolio after 10yr
$79.98M
Annual income
$57,543,182.78/yr
Blended yield
71.95%
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Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

EMCF
No analyst data
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)

EMCF buys
0
ADC buys
0
No recent congressional trades found for EMCF or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEMCFADC
Forward yield68.61%4.13%
Annual dividend / share$21.68$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR22.1%40.4%
Portfolio after 10y$159.78M$178.9K
Annual income after 10y$115,005,568.27$80,797.29
Total dividends collected$155.59M$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearEMCF PortfolioEMCF Income/yrADC PortfolioADC Income/yrGap
1← crossover$19,077$8,376.99$10,990$580.36+$8.1KEMCF
2$38,648$18,236.00$12,301$860.26+$26.3KEMCF
3$83,512$42,158.28$14,104$1,298.62+$69.4KEMCF
4$193,310$103,951.94$16,691$2,008.16+$176.6KEMCF
5$481,422$274,580.27$20,580$3,205.09+$460.8KEMCF
6$1,295,442$780,320.52$26,754$5,330.02+$1.27MEMCF
7$3,782,179$2,396,056.69$37,196$9,345.14+$3.74MEMCF
8$12,029,694$7,982,762.21$56,244$17,523.09+$11.97MEMCF
9$41,845,044$28,973,271.57$94,286$35,736.21+$41.75MEMCF
10$159,779,766$115,005,568.27$178,949$80,797.29+$159.60MEMCF

EMCF vs ADC: Complete Analysis 2026

EMCFStock

Emclaire Financial Corp operates as the bank holding company for The Farmers National Bank of Emlenton that provides retail and commercial financial products and services to individuals and businesses in western Pennsylvania. The company's deposit products include checking, savings, and term certificate accounts; savings and time deposits; non-interest bearing and interest-bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, home equity loans, commercial business and commercial real estate loans, consumer loans, and loans to one borrower. The company operates a network of 19 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, and Pennsylvania. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.

Full EMCF Calculator →

ADCREIT

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.