HomeCompareESBK vs ARCC

ESBK vs ARCC: Dividend Comparison 2026

ESBK yields 69.69% · ARCC yields 10.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ESBK wins by $16.2K in total portfolio value
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 →
ARCC
Ares Capital Corporation
● Live price
10.82%
Share price
$17.74
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.16
Full ARCC calculator →

Portfolio growth — ESBK vs ARCC

📍 ESBK 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 PeriodESBKARCC
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 + ARCC cover 0 of 12 monthsgood coverage

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

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
ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/yr
At 15% tax rate, ESBK beats the other by $48.28/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 ESBK + ARCC for your $10,000?

ESBK: 50%ARCC: 50%
100% ARCC50/50100% ESBK
Portfolio after 10yr
$32.6K
Annual income
$29.56/yr
Blended yield
0.09%
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Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

ESBK
No analyst data
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+23.3% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ESBK buys
0
ARCC buys
0
No recent congressional trades found for ESBK or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESBKARCC
Forward yield69.69%10.82%
Annual dividend / share$16.08$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-42.4%-50%
Portfolio after 10y$40.8K$24.5K
Annual income after 10y$57.96$1.16
Total dividends collected$12.8K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearESBK PortfolioESBK Income/yrARCC PortfolioARCC Income/yrGap
1← crossover$14,714$4,014.19$11,381$541.15+$3.3KESBK
2$18,924$3,179.60$12,621$284.08+$6.3KESBK
3$22,450$2,201.32$13,827$145.31+$8.6KESBK
4$25,427$1,405.81$15,062$73.43+$10.4KESBK
5$28,064$857.13$16,364$36.89+$11.7KESBK
6$30,538$509.26$17,757$18.49+$12.8KESBK
7$32,974$298.31$19,258$9.25+$13.7KESBK
8$35,455$173.40$20,880$4.63+$14.6KESBK
9$38,038$100.37$22,636$2.32+$15.4KESBK
10$40,758$57.96$24,539$1.16+$16.2KESBK

ESBK vs ARCC: 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 →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.