HomeCompareHFBK vs MCD

HFBK vs MCD: Dividend Comparison 2026

HFBK yields 2.37% · MCD yields 2.35%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HFBK wins by $10.67M 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 →
MCD
McDonald's Corporation
● Live price
2.35%
Share price
$308.53
Annual div
$7.26
5Y div CAGR
42.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$78.5K
Annual income
$26,227.70
Full MCD calculator →

Portfolio growth — HFBK vs MCD

📍 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 PeriodHFBKMCD
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 + MCD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HFBK pays
MCD 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
MCD
Annual income on $10K today (after 15% tax)
$200.01/yr
After 10yr DRIP, annual income (after tax)
$22,293.55/yr
At 15% tax rate, HFBK beats the other by $7,714,429.72/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HFBK: 50%MCD: 50%
100% MCD50/50100% HFBK
Portfolio after 10yr
$5.41M
Annual income
$4,564,127.53/yr
Blended yield
84.32%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

HFBK
No analyst data
Altman Z
0.3
Piotroski
6/9
MCD
Analyst Ratings
37
Buy
23
Hold
1
Sell
Consensus: Buy
Price Target
$351.76
+14.0% upside vs current
Range: $320.00 — $385.00
Altman Z
4.9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HFBK buys
0
MCD buys
0
No recent congressional trades found for HFBK or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHFBKMCD
Forward yield2.37%2.35%
Annual dividend / share$0.97$7.26
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR84.6%42.3%
Portfolio after 10y$10.75M$78.5K
Annual income after 10y$9,102,027.37$26,227.70
Total dividends collected$10.59M$58.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary

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

YearHFBK PortfolioHFBK Income/yrMCD PortfolioMCD Income/yrGap
1← crossover$11,137$437.27$10,815$334.85+$322.00HFBK
2$12,757$840.19$11,826$491.71+$931.00HFBK
3$15,310$1,660.34$13,123$730.06+$2.2KHFBK
4$19,820$3,437.79$14,853$1,100.07+$5.0KHFBK
5$28,885$7,677.91$17,257$1,690.61+$11.6KHFBK
6$50,212$19,304.78$20,752$2,667.01+$29.5KHFBK
7$111,622$57,895.43$26,103$4,354.83+$85.5KHFBK
8$341,478$222,042.28$34,794$7,437.78+$306.7KHFBK
9$1,537,295$1,171,913.90$49,926$13,461.60+$1.49MHFBK
10$10,746,933$9,102,027.37$78,550$26,227.70+$10.67MHFBK

HFBK vs MCD: 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 →

MCDConsumer Discretionary

McDonald's Corporation operates and franchises McDonald's restaurants in the United States and internationally. Its restaurants offer hamburgers and cheeseburgers, chicken sandwiches and nuggets, wraps, fries, salads, oatmeal, shakes, desserts, sundaes, soft serve cones, bakery items, soft drinks, coffee, and beverages and other beverages, as well as breakfast menu, including biscuit and bagel sandwiches, breakfast burritos, hotcakes, and other sandwiches. As of December 31, 2021, the company operated 40,031 restaurants. McDonald's Corporation was founded in 1940 and is headquartered in Chicago, Illinois.

Full MCD 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.