HomeCompareHFBK vs ADC

HFBK vs ADC: Dividend Comparison 2026

HFBK yields 2.37% · ADC yields 4.13%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HFBK wins by $10.57M in total portfolio value
10 years
HFBK
HFBK
● Live price
2.37%
Share price
$40.95
Annual div
$0.97
5Y div CAGR
84.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$10.75M
Annual income
$9,102,027.37
Full HFBK calculator →
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →

Portfolio growth — HFBK vs ADC

📍 HFBK 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 PeriodHFBKADC
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, HFBK + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HFBK
Annual income on $10K today (after 15% tax)
$201.34/yr
After 10yr DRIP, annual income (after tax)
$7,736,723.26/yr
ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
At 15% tax rate, HFBK beats the other by $7,668,045.57/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HFBK + ADC for your $10,000?

HFBK: 50%ADC: 50%
100% ADC50/50100% HFBK
Portfolio after 10yr
$5.46M
Annual income
$4,591,412.33/yr
Blended yield
84.05%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

HFBK
No analyst data
Altman Z
0.3
Piotroski
6/9
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% upside vs current
Range: $75.00 — $84.50
Altman Z
1.6
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)

HFBK buys
0
ADC buys
0
No recent congressional trades found for HFBK or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHFBKADC
Forward yield2.37%4.13%
Annual dividend / share$0.97$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR84.6%40.4%
Portfolio after 10y$10.75M$178.9K
Annual income after 10y$9,102,027.37$80,797.29
Total dividends collected$10.59M$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT

Year-by-year: HFBK vs ADC ($10,000, DRIP)

YearHFBK PortfolioHFBK Income/yrADC PortfolioADC Income/yrGap
1← crossover$11,137$437.27$10,990$580.36+$147.00HFBK
2$12,757$840.19$12,301$860.26+$456.00HFBK
3$15,310$1,660.34$14,104$1,298.62+$1.2KHFBK
4$19,820$3,437.79$16,691$2,008.16+$3.1KHFBK
5$28,885$7,677.91$20,580$3,205.09+$8.3KHFBK
6$50,212$19,304.78$26,754$5,330.02+$23.5KHFBK
7$111,622$57,895.43$37,196$9,345.14+$74.4KHFBK
8$341,478$222,042.28$56,244$17,523.09+$285.2KHFBK
9$1,537,295$1,171,913.90$94,286$35,736.21+$1.44MHFBK
10$10,746,933$9,102,027.37$178,949$80,797.29+$10.57MHFBK

HFBK vs ADC: Complete Analysis 2026

HFBKStock

Harford Bank offers commercial and retail banking products and services for individuals, businesses, and governmental units. It provides various deposit services, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also offers various commercial loans, which include secured and unsecured loans for working capital, business expansion loans, and equipment and machinery purchase loans, as well as commercial mortgages secured by real estate, real estate construction loans, and real estate acquisition loans. In addition, it provides consumer loans, such as secured and unsecured loans for financing automobiles, boats, mobile homes, education, bill consolidation, and home improvements. Further, the company offers various other banking services, including mobile banking, automated teller machine, online banking with bill payment, cash management, commercial account remote deposit capture, safe deposit boxes, direct deposit of payroll and social security checks, and ACH origination services, as well as debit, gift, and credit cards. It operates through eight banking offices in Harford County, Maryland; and two banking offices in Cecil County, Maryland. The company was formerly known as Harford National Bank and changed its name to Harford Bank in July 2001. Harford Bank was founded in 1964 and is based in Aberdeen, Maryland.

Full HFBK Calculator →

ADCREIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC 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.