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HRBK vs MCD: Dividend Comparison 2026

HRBK yields 5.39% · MCD yields 2.35%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCD wins by $50.0K in total portfolio value· pulled ahead in Year 6
10 years
HRBK
HRBK
● Live price
5.39%
Share price
$18.55
Annual div
$1.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.5K
Annual income
$760.69
Full HRBK 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 — HRBK vs MCD

📍 MCD pulled ahead of the other in Year 6

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodHRBKMCD
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, HRBK + MCD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
HRBK pays
MCD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

HRBK
Annual income on $10K today (after 15% tax)
$458.22/yr
After 10yr DRIP, annual income (after tax)
$646.59/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, MCD beats the other by $21,646.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HRBK: 50%MCD: 50%
100% MCD50/50100% HRBK
Portfolio after 10yr
$53.5K
Annual income
$13,494.19/yr
Blended yield
25.21%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MCD right now

HRBK
No analyst data
Altman Z
-0.8
Piotroski
7/9
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)

HRBK buys
0
MCD buys
0
No recent congressional trades found for HRBK or MCD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHRBKMCD
Forward yield5.39% ✓2.35%
Annual dividend / share$1.00$7.26 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%42.3% ✓
Portfolio after 10y$28.5K$78.5K ✓
Annual income after 10y$760.69$26,227.70 ✓
Total dividends collected$6.5K$58.5K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Discretionary

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

YearHRBK PortfolioHRBK Income/yrMCD PortfolioMCD Income/yrGap
1$11,239$539.08$10,815$334.85+$424.00 → HRBK
2$12,592$566.24$11,826$491.71+$766.00 → HRBK
3$14,066$592.91$13,123$730.06+$943.00 → HRBK
4$15,670$619.00$14,853$1,100.07+$817.00 → HRBK
5$17,411$644.45$17,257$1,690.61+$154.00 → HRBK
6← crossover$19,299$669.22$20,752$2,667.01$1.5K → MCD
7$21,344$693.26$26,103$4,354.83$4.8K → MCD
8$23,554$716.54$34,794$7,437.78$11.2K → MCD
9$25,942$739.02$49,926$13,461.60$24.0K → MCD
10$28,519$760.69$78,550$26,227.70$50.0K → MCD

HRBK vs MCD: Complete Analysis 2026

HRBK — Stock

Harbor Bankshares Corporation provides various banking services in Maryland. The company offers personal checking, savings and investment, cards, individual retirement plans, certificate of deposits, mortgages, loans and lines of credit, online banking, bill pay, mobile banking, E-statement, telebanc, and interest rate services. It also provides business loans, remote deposit, positive pay, cash management, and merchant services. In addition, the company offers personal, home equity, installment, and VIP loans; home equity and overdraft lines of credit. Further, the company provides brokerage and insurance products. The company operates through six branch locations primarily serves the Baltimore, Maryland Metropolitan area. Harbor Bankshares Corporation was founded in 1982 and is based in Baltimore, Maryland.

Full HRBK Calculator →

MCD — Consumer 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.