HomeCompareESBK vs ADC

ESBK vs ADC: Dividend Comparison 2026

ESBK yields 69.69% · ADC yields 4.11%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $136.2K in total portfolio value· pulled ahead in Year 7
10 years
ESBK
ESBK
● Live price
69.69%
Share price
$23.08
Annual div
$16.08
5Y div CAGR
-42.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$57.96
Full ESBK calculator →
ADC
Agree Realty Corporation
● Live price
4.11%
Share price
$75.38
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$176.9K
Annual income
$79,647.25
Full ADC calculator →

Portfolio growth — ESBK vs ADC

📍 ADC pulled ahead of the other in Year 7

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 PeriodESBKADC
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, ESBK + ADC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ESBK 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.

ESBK
Annual income on $10K today (after 15% tax)
$5,923.71/yr
After 10yr DRIP, annual income (after tax)
$49.27/yr
ADC
Annual income on $10K today (after 15% tax)
$349.45/yr
After 10yr DRIP, annual income (after tax)
$67,700.16/yr
At 15% tax rate, ADC beats the other by $67,650.90/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ESBK: 50%ADC: 50%
100% ADC50/50100% ESBK
Portfolio after 10yr
$108.8K
Annual income
$39,852.60/yr
Blended yield
36.61%
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Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

ESBK
No analyst data
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+7.5% 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)

ESBK buys
0
ADC buys
0
No recent congressional trades found for ESBK or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESBKADC
Forward yield69.69%4.11%
Annual dividend / share$16.08$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-42.4%40.4%
Portfolio after 10y$40.8K$176.9K
Annual income after 10y$57.96$79,647.25
Total dividends collected$12.8K$154.7K
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearESBK PortfolioESBK Income/yrADC PortfolioADC Income/yrGap
1$14,714$4,014.19$10,987$577.21+$3.7KESBK
2$18,924$3,179.60$12,293$855.34+$6.6KESBK
3$22,450$2,201.32$14,088$1,290.70+$8.4KESBK
4$25,427$1,405.81$16,660$1,994.91+$8.8KESBK
5$28,064$857.13$20,525$3,181.85+$7.5KESBK
6$30,538$509.26$26,654$5,286.90+$3.9KESBK
7← crossover$32,974$298.31$37,006$9,259.47$4.0KADC
8$35,455$173.40$55,862$17,338.74$20.4KADC
9$38,038$100.37$93,452$35,300.32$55.4KADC
10$40,758$57.96$176,931$79,647.25$136.2KADC

ESBK vs ADC: Complete Analysis 2026

ESBKStock

Elmira Savings Bank provides financial services to consumers and businesses. It offers savings and money market accounts, time deposits, retail and commercial checking accounts, and NOW accounts; certificates of deposit; residential and commercial real estate, construction, commercial loans, as well as consumer loans, comprising of installment loans, overdraft line of credit, and home equity loans; and mortgage loans secured by first and second liens on one-to-four family residences. The company also operates a real estate investment trust; and provides financial planning advisory services. The company operates through a network of twelve full-service offices located in Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties; and one limited service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.

Full ESBK 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.