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FLIC vs EPRT: Dividend Comparison 2026

FLIC yields 7.08% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FLIC wins by $8.2K in total portfolio value
10 years
FLIC
FLIC
● Live price
7.08%
Share price
$11.87
Annual div
$0.84
5Y div CAGR
19.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$71.6K
Annual income
$12,868.22
Full FLIC calculator →
EPRT
EPRT
● Live price
3.92%
Share price
$30.77
Annual div
$1.21
5Y div CAGR
29%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$63.4K
Annual income
$12,840.73
Full EPRT calculator →

Portfolio growth — FLIC vs EPRT

📍 FLIC 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 PeriodFLICEPRT
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, FLIC + EPRT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FLIC
Annual income on $10K today (after 15% tax)
$601.52/yr
After 10yr DRIP, annual income (after tax)
$10,937.99/yr
EPRT
Annual income on $10K today (after 15% tax)
$332.87/yr
After 10yr DRIP, annual income (after tax)
$10,914.62/yr
At 15% tax rate, FLIC beats the other by $23.37/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FLIC: 50%EPRT: 50%
100% EPRT50/50100% FLIC
Portfolio after 10yr
$67.5K
Annual income
$12,854.47/yr
Blended yield
19.04%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

FLIC
Analyst Ratings
1
Buy
6
Hold
Consensus: Hold
Price Target
$20.00
+68.5% upside vs current
Range: $20.00 — $20.00
Altman Z
-0.6
Piotroski
6/9
EPRT
Analyst Ratings
1
Strong
17
Buy
3
Hold
1
Sell
Consensus: Buy
Price Target
$35.50
+15.4% 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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FLIC buys
0
EPRT buys
0
No recent congressional trades found for FLIC or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFLICEPRT
Forward yield7.08%3.92%
Annual dividend / share$0.84$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.8%29%
Portfolio after 10y$71.6K$63.4K
Annual income after 10y$12,868.22$12,840.73
Total dividends collected$44.0K$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusHoldBuy
Analyst price target$20.00$35.50

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

YearFLIC PortfolioFLIC Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$11,548$847.78$11,205$505.18+$343.00FLIC
2$13,452$1,096.12$12,672$682.46+$780.00FLIC
3$15,824$1,429.64$14,490$930.48+$1.3KFLIC
4$18,814$1,882.82$16,786$1,282.69+$2.0KFLIC
5$22,637$2,506.45$19,753$1,791.56+$2.9KFLIC
6$27,599$3,376.59$23,677$2,541.64+$3.9KFLIC
7$34,140$4,609.05$29,008$3,672.99+$5.1KFLIC
8$42,913$6,383.44$36,463$5,425.08+$6.5KFLIC
9$54,900$8,983.73$47,238$8,221.57+$7.7KFLIC
10$71,612$12,868.22$63,385$12,840.73+$8.2KFLIC

FLIC vs EPRT: Complete Analysis 2026

FLICStock

The First of Long Island Corporation operates as the holding company for The First National Bank of Long Island that provides financial services to small and medium-sized businesses, professionals, consumers, municipalities, and other organizations. The company offers business and small business checking, personal checking, negotiable order of withdrawal, interest on lawyer, escrow service, rent security, personal and nonpersonal money market, savings, time deposit, holiday club, and individual retirement accounts. It also provides commercial and residential mortgage, commercial and industrial, small business credit scored, Small Business Administration, construction and land development, consumer, and home equity lines of credit/loans, as well as commercial and standby letters of credit; debit or credit cards; and overdraft facilities. In addition, the company offers life insurance, trust, estate and custody, retail investment, bill payment, lockbox, ACH, safe deposit box rental, wire transfer, money order, checkbook printing, check, ATM, and online and mobile banking services, as well as investment securities, management, and advisory services. It operates 40 branches, including 17 branches in Nassau, 15 in Suffolk, 5 in Queens, 2 in Brooklyn, and 1 in Manhattan. The company was founded in 1927 and is headquartered in Glen Head, New York.

Full FLIC 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.

Full EPRT 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.