HomeCompareHARL vs EPRT

HARL vs EPRT: Dividend Comparison 2026

HARL yields 4.99% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EPRT wins by $5.7K in total portfolio value· pulled ahead in Year 8
10 years
HARL
HARL
● Live price
4.99%
Share price
$26.85
Annual div
$1.34
5Y div CAGR
22.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$57.6K
Annual income
$9,454.63
Full HARL 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 — HARL 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 PeriodHARLEPRT
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%.
📅

Dividend Calendar Overlap

Combined, HARL + EPRT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HARL
Annual income on $10K today (after 15% tax)
$424.21/yr
After 10yr DRIP, annual income (after tax)
$8,036.44/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, EPRT beats the other by $2,878.19/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HARL: 50%EPRT: 50%
100% EPRT50/50100% HARL
Portfolio after 10yr
$60.5K
Annual income
$11,147.68/yr
Blended yield
18.42%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

HARL
No analyst data
Altman Z
0.2
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)

HARL buys
0
EPRT buys
0
No recent congressional trades found for HARL or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHARLEPRT
Forward yield4.99%3.92%
Annual dividend / share$1.34$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR22.7%29%
Portfolio after 10y$57.6K$63.4K
Annual income after 10y$9,454.63$12,840.73
Total dividends collected$32.2K$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearHARL PortfolioHARL Income/yrEPRT PortfolioEPRT Income/yrGap
1$11,312$612.36$11,205$505.18+$107.00HARL
2$12,899$794.36$12,672$682.46+$227.00HARL
3$14,840$1,038.65$14,490$930.48+$350.00HARL
4$17,249$1,370.33$16,786$1,282.69+$463.00HARL
5$20,283$1,826.50$19,753$1,791.56+$530.00HARL
6$24,166$2,462.90$23,677$2,541.64+$489.00HARL
7$29,222$3,364.91$29,008$3,672.99+$214.00HARL
8← crossover$35,934$4,666.03$36,463$5,425.08$529.00EPRT
9$45,029$6,579.57$47,238$8,221.57$2.2KEPRT
10$57,636$9,454.63$63,385$12,840.73$5.7KEPRT

HARL vs EPRT: Complete Analysis 2026

HARLStock

Harleysville Financial Corporation operates as the bank holding company for Harleysville Bank that provides various banking products and services primarily in southeastern Pennsylvania. The company offers various deposit products, including savings, money market, and checking accounts; and certificates of deposit. It also provides auto, mortgage, home equity, savings account, business term, and commercial real estate loans, as well as line of credit. In addition, the company offers online banking and bill payment, mobile banking, debit card, telephone banking, remote deposit, automated clearing house processing, sweep account, zero balance account, employee, and other cash management services. Further, it provides investment services, such as financial consultation, cash and wealth management, education planning, investment strategy, insurance, retirement and estate planning, financial and goal planning, and asset allocation services, as well as offers investment products, such as fixed and variable annuities, mutual funds, life insurances, stocks and bonds, tax-advantaged investments, long-term care insurances, disability insurances, retirement plans/individual retirement accounts, wrap accounts, and unit investment trusts. Additionally, the company offers consumer loans, including residential mortgage, construction, and non-real estate consumer loans; and commercial loans, such as commercial mortgages and commercial business loans. It operates six full-service offices located in Montgomery County; and one office situated in Bucks County, Pennsylvania. The company was formerly known as Harleysville Savings Financial Corporation and changed its name to Harleysville Financial Corporation in May 2017. The company was incorporated in 1915 and is headquartered in Harleysville, Pennsylvania.

Full HARL 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.