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ESSA vs PEP: Dividend Comparison 2026

ESSA yields 2.91% · PEP yields 3.66%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ESSA wins by $234.9K in total portfolio value
10 years
ESSA
ESSA
● Live price
2.91%
Share price
$20.61
Annual div
$0.60
5Y div CAGR
55.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$379.6K
Annual income
$210,681.63
Full ESSA calculator →
PEP
PepsiCo Inc.
● Live price
3.66%
Share price
$155.29
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$144.7K
Annual income
$63,430.49
Full PEP calculator →

Portfolio growth — ESSA vs PEP

📍 ESSA 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 PeriodESSAPEP
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, ESSA + PEP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

ESSA
Annual income on $10K today (after 15% tax)
$247.45/yr
After 10yr DRIP, annual income (after tax)
$179,079.39/yr
PEP
Annual income on $10K today (after 15% tax)
$311.45/yr
After 10yr DRIP, annual income (after tax)
$53,915.92/yr
At 15% tax rate, ESSA beats the other by $125,163.47/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ESSA + PEP for your $10,000?

ESSA: 50%PEP: 50%
100% PEP50/50100% ESSA
Portfolio after 10yr
$262.2K
Annual income
$137,056.07/yr
Blended yield
52.28%
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Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

ESSA
Analyst Ratings
2
Hold
Consensus: Hold
Altman Z
-0.8
Piotroski
5/9
PEP
Analyst Ratings
1
Strong
15
Buy
28
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+11.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
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)

ESSA buys
0
PEP buys
0
No recent congressional trades found for ESSA or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESSAPEP
Forward yield2.91%3.66%
Annual dividend / share$0.60$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR55.8%40.4%
Portfolio after 10y$379.6K$144.7K
Annual income after 10y$210,681.63$63,430.49
Total dividends collected$341.3K$125.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

Year-by-year: ESSA vs PEP ($10,000, DRIP)

YearESSA PortfolioESSA Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$11,154$453.57$10,854$514.44+$300.00ESSA
2$12,671$736.61$11,982$758.21+$689.00ESSA
3$14,776$1,218.47$13,526$1,136.44+$1.3KESSA
4$17,880$2,068.99$15,727$1,741.93+$2.2KESSA
5$22,777$3,645.32$19,012$2,750.28+$3.8KESSA
6$31,133$6,761.58$24,173$4,514.44+$7.0KESSA
7$46,769$13,457.28$32,789$7,793.80+$14.0KESSA
8$79,479$29,436.46$48,258$14,354.51+$31.2KESSA
9$157,882$72,839.13$78,586$28,686.63+$79.3KESSA
10$379,615$210,681.63$144,688$63,430.49+$234.9KESSA

ESSA vs PEP: Complete Analysis 2026

ESSAStock

ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania. The company accepts savings accounts, interest bearing demand accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs, and other qualified plan accounts, as well as commercial checking accounts. Its loan portfolio includes first mortgage loans for the purchase, construction, or refinancing of one- to four-family residential real estate property; commercial real estate loans; home equity loans and lines of credit; and commercial and other consumer loans, as well as loans secured by deposits and personal unsecured loans. In addition, the company offers insurance benefits consulting services, such as health insurance, life insurance, short term and long term disability, dental, vision, 401(K) retirement planning, and individual health products, as well as asset management and trust, and investment services. As of September 30, 2021, it operated 21 community offices, including seven offices in Monroe County, three offices in Lehigh County, five offices in Northampton County, one office in Lackawanna County, one office in Luzerne County, one office in Chester County, two offices in Delaware County, and one office in Montgomery County, Pennsylvania. The company was founded in 1916 and is headquartered in Stroudsburg, Pennsylvania.

Full ESSA Calculator →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.