HomeCompareHBMD vs QSR

HBMD vs QSR: Dividend Comparison 2026

HBMD yields 8.58% · QSR yields 3.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HBMD wins by $10.6K in total portfolio value
10 years
HBMD
HBMD
● Live price
8.58%
Share price
$23.30
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.3K
Annual income
$1,476.05
Full HBMD calculator →
QSR
QSR
● Live price
3.40%
Share price
$73.76
Annual div
$2.51
5Y div CAGR
-0.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.7K
Annual income
$387.88
Full QSR calculator →

Portfolio growth — HBMD vs QSR

📍 HBMD 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 PeriodHBMDQSR
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, HBMD + QSR cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HBMD
Annual income on $10K today (after 15% tax)
$729.61/yr
After 10yr DRIP, annual income (after tax)
$1,254.64/yr
QSR
Annual income on $10K today (after 15% tax)
$289.25/yr
After 10yr DRIP, annual income (after tax)
$329.70/yr
At 15% tax rate, HBMD beats the other by $924.94/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HBMD + QSR for your $10,000?

HBMD: 50%QSR: 50%
100% QSR50/50100% HBMD
Portfolio after 10yr
$30.0K
Annual income
$931.97/yr
Blended yield
3.11%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on QSR right now

HBMD
Analyst Ratings
5
Buy
3
Hold
Consensus: Buy
QSR
Analyst Ratings
27
Buy
15
Hold
2
Sell
Consensus: Buy
Price Target
$81.57
+10.6% upside vs current
Range: $71.00 — $90.00
Altman Z
1.4
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)

HBMD buys
0
QSR buys
0
No recent congressional trades found for HBMD or QSR in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHBMDQSR
Forward yield8.58%3.40%
Annual dividend / share$2.00$2.51
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%-0.8%
Portfolio after 10y$35.3K$24.7K
Annual income after 10y$1,476.05$387.88
Total dividends collected$11.7K$3.7K
Payment frequencyquarterlyquarterly
SectorStockStock
Analyst consensusBuyBuy

Year-by-year: HBMD vs QSR ($10,000, DRIP)

YearHBMD PortfolioHBMD Income/yrQSR PortfolioQSR Income/yrGap
1← crossover$11,558$858.37$11,038$337.57+$520.00HBMD
2$13,295$927.23$12,156$345.43+$1.1KHBMD
3$15,222$996.75$13,359$352.69+$1.9KHBMD
4$17,354$1,066.59$14,654$359.36+$2.7KHBMD
5$19,705$1,136.43$16,045$365.45+$3.7KHBMD
6$22,291$1,205.98$17,539$370.97+$4.8KHBMD
7$25,126$1,274.96$19,143$375.96+$6.0KHBMD
8$28,228$1,343.11$20,863$380.42+$7.4KHBMD
9$31,614$1,410.21$22,708$384.39+$8.9KHBMD
10$35,303$1,476.05$24,685$387.88+$10.6KHBMD

HBMD vs QSR: Complete Analysis 2026

HBMDStock

Howard Bancorp, Inc. operates as the bank holding company for Howard Bank that provides commercial banking, mortgage banking, and consumer finance products and services to businesses, business owners, professionals, and other consumers. The company offers various consumer and business deposit products, including demand, money market, savings, individual retirement, and commercial and retail checking accounts, as well as certificates of deposit. It also provides commercial loans, such as lines of credit, revolving credit facilities, accounts receivable and inventory financing, term loans, equipment loans, small business administration loans, stand-by letters of credit, and unsecured loans, as well as equipment lease services; commercial mortgage loans for owner occupied and investment properties; construction loans; residential mortgage loans; and secured and unsecured consumer loans. In addition, the company offers wire transfer services; automated teller machines and check cards; and safe deposit boxes, as well as credit cards through a third party processor. Further, it provides merchant card, overnight sweep, check positive pay, and remote deposit capture services; and online and mobile banking services. As of December 31, 2020, the company operated through a network of 15 full service branches, as well as eight commercial lending offices located in Maryland. Howard Bancorp, Inc. was founded in 2004 and is headquartered in Baltimore, Maryland.

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QSRStock

Restaurant Brands International Inc. operates as quick service restaurant company in Canada and internationally. It operates through four segments: Tim Hortons (TH), Burger King (BK), Popeyes Louisiana Kitchen (PLK), and Firehouse Subs (FHS). The company owns and franchises TH chain of donut/coffee/tea restaurants that offer blend coffee, tea, and espresso-based hot and cold specialty drinks; and fresh baked goods, including donuts, Timbits, bagels, muffins, cookies and pastries, grilled paninis, classic sandwiches, wraps, soups, and others. It is also involved in owning and franchising BK, a fast food hamburger restaurant chain, which offers flame-grilled hamburgers, chicken and other specialty sandwiches, french fries, soft drinks, and other food items; and PLK quick service restaurants that provide Louisiana style fried chicken, chicken tenders, fried shrimp and other seafood, red beans and rice, and other regional items. In addition, the company owns and franchises FHS restaurants quick service restaurants that offer subs, soft drinks, and local specialties. As of February 15, 2022, the company had approximately 29,000 restaurants in 100 countries under the Tim Hortons, Burger King, Popeyes, And Firehouse Subs brands. Restaurant Brands International Inc. was founded in 1954 and is headquartered in Toronto, Canada.

Full QSR 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.