Is HCDI or EPRT a better dividend investment in 2026?

HCDI currently yields 1005.03% with a 5% 5-year dividend growth rate. EPRT yields 3.92% with 5% growth. The better choice depends on your goal: HCDI offers higher current income.

What is the dividend yield difference between HCDI and EPRT?

HCDI has a forward dividend yield of 1005.03% ($2.00/share annually). EPRT yields 3.92% ($1.21/share annually). The yield gap is 1001.11 percentage points.

Home › Compare › HCDI vs EPRT

HCDI vs EPRT: Dividend Comparison 2026

HCDI yields 1005.03% · EPRT yields 3.92%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 HCDI wins by $2.018057914051105e+23M in total portfolio value

INVESTMENT

TIME HORIZON10 years

HCDI

● Live price

1005.03%

Share price

$0.20

Annual div

$2.00

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$2.018057914051105e+23M

Annual income

$201,767,224,790,193,330,000,000,000,000.00

Full HCDI calculator →

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 — HCDI vs EPRT

📍 HCDI 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 Period	HCDI	EPRT
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, HCDI + EPRT cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HCDI pays

EPRT pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

HCDI

Annual income on $10K today (after 15% tax)

$85,427.14/yr

After 10yr DRIP, annual income (after tax)

$171,502,141,071,664,300,000,000,000,000.00/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, HCDI beats the other by $171,502,141,071,664,300,000,000,000,000.00/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

HCDI: 50%EPRT: 50%

100% EPRT50/50100% HCDI

Portfolio after 10yr

$1.0090289570255525e+23M

Annual income

$100,883,612,395,096,670,000,000,000,000.00/yr

Blended yield

99.98%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

HCDI

No analyst data

Altman Z

0.1

Piotroski

1/9

EPRT

Analyst Ratings

Strong

Buy

Hold

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HCDI buys

EPRT buys

No recent congressional trades found for HCDI or EPRT in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricHCDIEPRT

Forward yield	1005.03% ✓	3.92%
Annual dividend / share	$2.00 ✓	$1.21
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	29%
Portfolio after 10y	$2.018057914051105e+23M	$63.4K ✓
Annual income after 10y	$201,767,224,790,193,330,000,000,000,000.00 ✓	$12,840.73
Total dividends collected	$2.0180326751285186e+23M	$37.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	REIT

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

Year	HCDI Portfolio	HCDI Income/yr	EPRT Portfolio	EPRT Income/yr	Gap
1← crossover	$211,705	$201,005.03	$11,205	$505.18	+$200.5K → HCDI
2	$8,180,501	$7,953,976.43	$12,672	$682.46	+$8.17M → HCDI
3	$583,238,862	$574,485,726.27	$14,490	$930.48	+$583.22M → HCDI
4	$77,182,320,035	$76,558,254,452.40	$16,786	$1,282.69	+$77182.30M → HCDI
5	$19,019,516,912,574	$18,936,931,830,136.57	$19,753	$1,791.56	+$19019516.89M → HCDI
6	$8,742,780,759,918,048	$8,722,429,876,821,594.00	$23,677	$2,541.64	+$8742780759.89M → HCDI
7	$7,503,701,998,123,799,000	$7,494,347,222,710,686,000.00	$29,008	$3,672.99	+$7503701998123.77M → HCDI
8	$12,030,839,931,215,220,000,000	$12,022,810,970,077,226,000,000.00	$36,463	$5,425.08	+$12030839931215220.00M → HCDI
9	$36,043,565,343,171,823,000,000,000	$36,030,692,344,445,424,000,000,000.00	$47,238	$8,221.57	+$36043565343171821568.00M → HCDI
10	$201,805,791,405,110,500,000,000,000,000	$201,767,224,790,193,330,000,000,000,000.00	$63,385	$12,840.73	+$2.018057914051105e+23M → HCDI

HCDI vs EPRT: Complete Analysis 2026

HCDI — Stock

Harbor Custom Development, Inc. operates as a real estate development company in Washington, California, Texas, and Florida. The company is involved in land acquisition, entitlements, development, construction of project infrastructure, single and multi-family vertical construction, marketing, sales, and management of various residential projects. It undertakes projects, such as residential lots, home communities, townhomes, and multi-story condominium or apartment properties The company was formerly known as Harbor Custom Homes, Inc. and changed its name to Harbor Custom Development, Inc. in August 2019. Harbor Custom Development, Inc. was incorporated in 2014 and is based in Gig Harbor, Washington.

Full HCDI Calculator →

EPRT — REIT

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.