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EMCF vs EPRT: Dividend Comparison 2026

EMCF yields 68.61% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EMCF wins by $159.72M 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 →
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 — EMCF vs EPRT

📍 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 PeriodEMCFEPRT
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 + EPRT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
EMCF pays
EPRT 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
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, EMCF beats the other by $97,743,818.41/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

EMCF: 50%EPRT: 50%
100% EPRT50/50100% EMCF
Portfolio after 10yr
$79.92M
Annual income
$57,509,204.49/yr
Blended yield
71.96%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

EMCF
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)

EMCF buys
0
EPRT buys
0
No recent congressional trades found for EMCF or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEMCFEPRT
Forward yield68.61%3.92%
Annual dividend / share$21.68$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR22.1%29%
Portfolio after 10y$159.78M$63.4K
Annual income after 10y$115,005,568.27$12,840.73
Total dividends collected$155.59M$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearEMCF PortfolioEMCF Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$19,077$8,376.99$11,205$505.18+$7.9KEMCF
2$38,648$18,236.00$12,672$682.46+$26.0KEMCF
3$83,512$42,158.28$14,490$930.48+$69.0KEMCF
4$193,310$103,951.94$16,786$1,282.69+$176.5KEMCF
5$481,422$274,580.27$19,753$1,791.56+$461.7KEMCF
6$1,295,442$780,320.52$23,677$2,541.64+$1.27MEMCF
7$3,782,179$2,396,056.69$29,008$3,672.99+$3.75MEMCF
8$12,029,694$7,982,762.21$36,463$5,425.08+$11.99MEMCF
9$41,845,044$28,973,271.57$47,238$8,221.57+$41.80MEMCF
10$159,779,766$115,005,568.27$63,385$12,840.73+$159.72MEMCF

EMCF vs EPRT: 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 →

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.