HomeCompareHLFN vs EPRT

HLFN vs EPRT: Dividend Comparison 2026

HLFN yields 5.10% · EPRT yields 3.97%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 EPRT wins by $22.3K in total portfolio value· pulled ahead in Year 4
10 years
HLFN
HLFN
● Live price
5.10%
Share price
$41.18
Annual div
$2.10
5Y div CAGR
15.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$42.1K
Annual income
$4,120.43
Full HLFN calculator →
EPRT
EPRT
● Live price
3.97%
Share price
$30.36
Annual div
$1.21
5Y div CAGR
29%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$64.3K
Annual income
$13,170.85
Full EPRT calculator →

Portfolio growth — HLFN vs EPRT

📍 EPRT pulled ahead of the other in Year 4

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 PeriodHLFNEPRT
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, HLFN + EPRT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HLFN pays
EPRT pays
Both pay
Neither
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Tax Bracket Optimizer

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

HLFN
Annual income on $10K today (after 15% tax)
$433.46/yr
After 10yr DRIP, annual income (after tax)
$3,502.37/yr
EPRT
Annual income on $10K today (after 15% tax)
$337.37/yr
After 10yr DRIP, annual income (after tax)
$11,195.22/yr
At 15% tax rate, EPRT beats the other by $7,692.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HLFN: 50%EPRT: 50%
100% EPRT50/50100% HLFN
Portfolio after 10yr
$53.2K
Annual income
$8,645.64/yr
Blended yield
16.25%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

HLFN
No analyst data
Altman Z
-0.5
Piotroski
5/9
EPRT
Analyst Ratings
1
Strong
17
Buy
3
Hold
1
Sell
Consensus: Buy
Price Target
$35.50
+16.9% 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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HLFN buys
0
EPRT buys
0
No recent congressional trades found for HLFN or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHLFNEPRT
Forward yield5.10%3.97%
Annual dividend / share$2.10$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR15.4%29%
Portfolio after 10y$42.1K$64.3K
Annual income after 10y$4,120.43$13,170.85
Total dividends collected$18.2K$38.7K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearHLFN PortfolioHLFN Income/yrEPRT PortfolioEPRT Income/yrGap
1$11,288$588.49$11,212$512.01+$76.00HLFN
2$12,795$716.47$12,689$692.09+$106.00HLFN
3$14,567$875.85$14,521$944.30+$46.00HLFN
4← crossover$16,662$1,075.39$16,841$1,302.88$179.00EPRT
5$19,155$1,326.62$19,841$1,821.64$686.00EPRT
6$22,140$1,644.84$23,818$2,587.47$1.7KEPRT
7$25,741$2,050.48$29,230$3,744.65$3.5KEPRT
8$30,114$2,571.06$36,816$5,540.38$6.7KEPRT
9$35,465$3,243.97$47,806$8,413.17$12.3KEPRT
10$42,068$4,120.43$64,324$13,170.85$22.3KEPRT

HLFN vs EPRT: Complete Analysis 2026

HLFNStock

Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States. The company's primary deposit products include checking, savings, and term certificate accounts; and lending products comprise residential mortgage, nonresidential mortgage, residential construction and land, commercial, and consumer loans. It also provides consumer credits, such as home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans, and credit cards. In addition, the company sells life insurance, annuity, long-term care insurance, and investment products. It provides financial services through its main office in Coshocton, Ohio; and branch offices in Coshocton, Mount Vernon, and West Lafayette, Ohio. The company was incorporated in 1997 and is based in Coshocton, Ohio.

Full HLFN Calculator →

EPRTREIT

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.