HomeCompareESBK vs EPRT

ESBK vs EPRT: Dividend Comparison 2026

ESBK yields 69.69% · EPRT yields 3.97%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EPRT wins by $23.6K in total portfolio value· pulled ahead in Year 8
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 →
EPRT
EPRT
● Live price
3.97%
Share price
$30.36
Annual div
$1.21
5Y div CAGR
29%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$64.3K
Annual income
$13,170.85
Full EPRT calculator →

Portfolio growth — ESBK vs EPRT

📍 EPRT pulled ahead of the other in Year 8

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 PeriodESBKEPRT
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 + EPRT cover 0 of 12 monthsgood coverage

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

ESBK
Annual income on $10K today (after 15% tax)
$5,923.71/yr
After 10yr DRIP, annual income (after tax)
$49.27/yr
EPRT
Annual income on $10K today (after 15% tax)
$337.37/yr
After 10yr DRIP, annual income (after tax)
$11,195.22/yr
At 15% tax rate, EPRT beats the other by $11,145.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ESBK: 50%EPRT: 50%
100% EPRT50/50100% ESBK
Portfolio after 10yr
$52.5K
Annual income
$6,614.41/yr
Blended yield
12.59%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

ESBK
No analyst data
EPRT
Analyst Ratings
1
Strong
17
Buy
3
Hold
1
Sell
Consensus: Buy
Price Target
$35.50
+16.9% 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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ESBK buys
0
EPRT buys
0
No recent congressional trades found for ESBK or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESBKEPRT
Forward yield69.69%3.97%
Annual dividend / share$16.08$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-42.4%29%
Portfolio after 10y$40.8K$64.3K
Annual income after 10y$57.96$13,170.85
Total dividends collected$12.8K$38.7K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearESBK PortfolioESBK Income/yrEPRT PortfolioEPRT Income/yrGap
1$14,714$4,014.19$11,212$512.01+$3.5KESBK
2$18,924$3,179.60$12,689$692.09+$6.2KESBK
3$22,450$2,201.32$14,521$944.30+$7.9KESBK
4$25,427$1,405.81$16,841$1,302.88+$8.6KESBK
5$28,064$857.13$19,841$1,821.64+$8.2KESBK
6$30,538$509.26$23,818$2,587.47+$6.7KESBK
7$32,974$298.31$29,230$3,744.65+$3.7KESBK
8← crossover$35,455$173.40$36,816$5,540.38$1.4KEPRT
9$38,038$100.37$47,806$8,413.17$9.8KEPRT
10$40,758$57.96$64,324$13,170.85$23.6KEPRT

ESBK vs EPRT: 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 →

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.

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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.