HomeCompareHARL vs PEP

HARL vs PEP: Dividend Comparison 2026

HARL yields 4.99% · PEP yields 3.66%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PEP wins by $87.1K in total portfolio value· pulled ahead in Year 6
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 →
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 — HARL vs PEP

📍 PEP pulled ahead of the other in Year 6

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 PeriodHARLPEP
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 + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HARL pays
PEP 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
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, PEP beats the other by $45,879.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HARL: 50%PEP: 50%
100% PEP50/50100% HARL
Portfolio after 10yr
$101.2K
Annual income
$36,442.57/yr
Blended yield
36.02%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

HARL
No analyst data
Altman Z
0.2
Piotroski
6/9
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)

HARL buys
0
PEP buys
0
No recent congressional trades found for HARL or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHARLPEP
Forward yield4.99%3.66%
Annual dividend / share$1.34$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR22.7%40.4%
Portfolio after 10y$57.6K$144.7K
Annual income after 10y$9,454.63$63,430.49
Total dividends collected$32.2K$125.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHARL PortfolioHARL Income/yrPEP PortfolioPEP Income/yrGap
1$11,312$612.36$10,854$514.44+$458.00HARL
2$12,899$794.36$11,982$758.21+$917.00HARL
3$14,840$1,038.65$13,526$1,136.44+$1.3KHARL
4$17,249$1,370.33$15,727$1,741.93+$1.5KHARL
5$20,283$1,826.50$19,012$2,750.28+$1.3KHARL
6← crossover$24,166$2,462.90$24,173$4,514.44$7.00PEP
7$29,222$3,364.91$32,789$7,793.80$3.6KPEP
8$35,934$4,666.03$48,258$14,354.51$12.3KPEP
9$45,029$6,579.57$78,586$28,686.63$33.6KPEP
10$57,636$9,454.63$144,688$63,430.49$87.1KPEP

HARL vs PEP: 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.

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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.