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FPBC vs EPRT: Dividend Comparison 2026

FPBC yields 38.83% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FPBC wins by $154.2K in total portfolio value
10 years
FPBC
FPBC
● Live price
38.83%
Share price
$5.15
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$217.6K
Annual income
$35,869.49
Full FPBC 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 — FPBC vs EPRT

📍 FPBC 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 PeriodFPBCEPRT
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, FPBC + EPRT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FPBC
Annual income on $10K today (after 15% tax)
$3,300.97/yr
After 10yr DRIP, annual income (after tax)
$30,489.07/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, FPBC beats the other by $19,574.45/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FPBC: 50%EPRT: 50%
100% EPRT50/50100% FPBC
Portfolio after 10yr
$140.5K
Annual income
$24,355.11/yr
Blended yield
17.34%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

FPBC
No analyst data
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)

FPBC buys
0
EPRT buys
0
No recent congressional trades found for FPBC or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFPBCEPRT
Forward yield38.83%3.92%
Annual dividend / share$2.00$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%29%
Portfolio after 10y$217.6K$63.4K
Annual income after 10y$35,869.49$12,840.73
Total dividends collected$162.2K$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearFPBC PortfolioFPBC Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$14,583$3,883.50$11,205$505.18+$3.4KFPBC
2$20,897$5,292.98$12,672$682.46+$8.2KFPBC
3$29,448$7,088.36$14,490$930.48+$15.0KFPBC
4$40,845$9,335.44$16,786$1,282.69+$24.1KFPBC
5$55,806$12,101.25$19,753$1,791.56+$36.1KFPBC
6$75,164$15,451.93$23,677$2,541.64+$51.5KFPBC
7$99,876$19,450.49$29,008$3,672.99+$70.9KFPBC
8$131,022$24,154.48$36,463$5,425.08+$94.6KFPBC
9$169,807$29,613.95$47,238$8,221.57+$122.6KFPBC
10$217,563$35,869.49$63,385$12,840.73+$154.2KFPBC

FPBC vs EPRT: Complete Analysis 2026

FPBCStock

First Pacific Bancorp operates as a bank holding company for First Pacific Bank that provides various financial and banking products and services. It offers deposit products, including checking, savings, money market, NOW, and individual retirement accounts, as well as certificate of deposit. The company also provides loan products, such as real estate construction, 1-4 family, commercial real estate, and commercial and industrial loans; small business administration; consumer and personal loans; home equity lines of credit; letters of credit; and business and personal credit cards. In addition, it offers cash management services and solutions, including insured cash sweep, remote deposit capture, automated clearing house, sweep accounts, wire transfers, Positive Pay, and online and mobile banking services. Further, the company provides specialty lending and financing solutions for construction and manufacturing equipment; healthcare equipment; computer hardware and software; network and phone communications systems; and office furniture, as well as bespoke solutions. The company serves small and middle-market businesses, and individuals in the Los Angeles, Orange, San Bernardino, and San Diego County areas of California. It operates branches in Whittier, Santa Fe Springs, Orange, Redlands, and San Diego, California. The company was formerly known as Friendly Hills Bancorp and changed its name to First Pacific Bancorp in September 2023. First Pacific Bancorp was founded in 2006 and is based in Whittier, California.

Full FPBC 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.