HomeCompareHFBK vs ARCC

HFBK vs ARCC: Dividend Comparison 2026

HFBK yields 2.37% · ARCC yields 10.65%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HFBK wins by $10.72M in total portfolio value· pulled ahead in Year 2
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 →
ARCC
Ares Capital Corporation
● Live price
10.65%
Share price
$18.02
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.14
Full ARCC calculator →

Portfolio growth — HFBK vs ARCC

📍 HFBK pulled ahead of the other in Year 2

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 PeriodHFBKARCC
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 + ARCC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HFBK pays
ARCC 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
ARCC
Annual income on $10K today (after 15% tax)
$905.66/yr
After 10yr DRIP, annual income (after tax)
$0.97/yr
At 15% tax rate, HFBK beats the other by $7,736,722.30/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HFBK: 50%ARCC: 50%
100% ARCC50/50100% HFBK
Portfolio after 10yr
$5.39M
Annual income
$4,551,014.25/yr
Blended yield
84.50%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

HFBK
No analyst data
Altman Z
0.3
Piotroski
6/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+21.4% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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
ARCC buys
0
No recent congressional trades found for HFBK or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHFBKARCC
Forward yield2.37%10.65%
Annual dividend / share$0.97$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR84.6%-50%
Portfolio after 10y$10.75M$24.5K
Annual income after 10y$9,102,027.37$1.14
Total dividends collected$10.59M$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearHFBK PortfolioHFBK Income/yrARCC PortfolioARCC Income/yrGap
1$11,137$437.27$11,373$532.74$236.00ARCC
2← crossover$12,757$840.19$12,608$279.46+$149.00HFBK
3$15,310$1,660.34$13,809$142.90+$1.5KHFBK
4$19,820$3,437.79$15,042$72.20+$4.8KHFBK
5$28,885$7,677.91$16,341$36.27+$12.5KHFBK
6$50,212$19,304.78$17,732$18.18+$32.5KHFBK
7$111,622$57,895.43$19,231$9.10+$92.4KHFBK
8$341,478$222,042.28$20,851$4.55+$320.6KHFBK
9$1,537,295$1,171,913.90$22,605$2.28+$1.51MHFBK
10$10,746,933$9,102,027.37$24,504$1.14+$10.72MHFBK

HFBK vs ARCC: 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 →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.