HomeCompareESBK vs O

ESBK vs O: Dividend Comparison 2026

ESBK yields 69.69% · O yields 5.28%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ESBK wins by $6.5K 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 →
O
Realty Income Corporation
● Live price
5.28%
Share price
$61.15
Annual div
$3.23
5Y div CAGR
15.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.2K
Annual income
$5,102.74
Full O calculator →

Portfolio growth — ESBK vs O

📍 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 PeriodESBKO
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 + O cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ESBK pays
O 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
O
Annual income on $10K today (after 15% tax)
$449.12/yr
After 10yr DRIP, annual income (after tax)
$4,337.33/yr
At 15% tax rate, O beats the other by $4,288.06/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 + O for your $10,000?

ESBK: 50%O: 50%
100% O50/50100% ESBK
Portfolio after 10yr
$37.5K
Annual income
$2,580.35/yr
Blended yield
6.88%
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Analyst Conviction Gap

Where Wall Street is most bullish on O right now

ESBK
No analyst data
O
Analyst Ratings
13
Buy
18
Hold
3
Sell
Consensus: Hold
Price Target
$64.00
+4.7% upside vs current
Range: $60.00 — $69.00
Altman Z
1.0
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
O buys
0
No recent congressional trades found for ESBK or O in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESBKO
Forward yield69.69%5.28%
Annual dividend / share$16.08$3.23
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-42.4%15.1%
Portfolio after 10y$40.8K$34.2K
Annual income after 10y$57.96$5,102.74
Total dividends collected$12.8K$20.7K
Payment frequencyquarterlymonthly
SectorStockREIT

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

YearESBK PortfolioESBK Income/yrO PortfolioO Income/yrGap
1← crossover$14,714$4,014.19$10,818$608.16+$3.9KESBK
2$18,924$3,179.60$11,787$741.68+$7.1KESBK
3$22,450$2,201.32$12,946$911.00+$9.5KESBK
4$25,427$1,405.81$14,345$1,127.94+$11.1KESBK
5$28,064$857.13$16,056$1,409.05+$12.0KESBK
6$30,538$509.26$18,171$1,777.83+$12.4KESBK
7$32,974$298.31$20,820$2,268.21+$12.2KESBK
8$35,455$173.40$24,188$2,929.90+$11.3KESBK
9$38,038$100.37$28,533$3,837.11+$9.5KESBK
10$40,758$57.96$34,235$5,102.74+$6.5KESBK

ESBK vs O: 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 →

OREIT

Realty Income, The Monthly Dividend Company, is an S&P 500 company dedicated to providing stockholders with dependable monthly income. The company is structured as a REIT, and its monthly dividends are supported by the cash flow from over 6,500 real estate properties owned under long-term lease agreements with our commercial clients. To date, the company has declared 608 consecutive common stock monthly dividends throughout its 52-year operating history and increased the dividend 109 times since Realty Income's public listing in 1994 (NYSE: O). The company is a member of the S&P 500 Dividend Aristocrats index. Additional information about the company can be obtained from the corporate website at www.realtyincome.com.

Full O 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.