HomeCompareIRT vs RF

IRT vs RF: Dividend Comparison 2026

IRT yields 4.59% · RF yields 4.14%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RF wins by $1.18M in total portfolio value
10 years
IRT
IRT
● Live price
4.59%
Share price
$14.81
Annual div
$0.68
5Y div CAGR
10.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$33.3K
Annual income
$1,914.49
Full IRT calculator →
RF
RF
● Live price
4.14%
Share price
$25.24
Annual div
$1.05
5Y div CAGR
57.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.21M
Annual income
$806,474.51
Full RF calculator →

Portfolio growth — IRT vs RF

📍 RF pulled ahead of the other in Year 1

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 PeriodIRTRF
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, IRT + RF cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

IRT
Annual income on $10K today (after 15% tax)
$390.28/yr
After 10yr DRIP, annual income (after tax)
$1,627.32/yr
RF
Annual income on $10K today (after 15% tax)
$351.92/yr
After 10yr DRIP, annual income (after tax)
$685,503.33/yr
At 15% tax rate, RF beats the other by $683,876.02/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of IRT + RF for your $10,000?

IRT: 50%RF: 50%
100% RF50/50100% IRT
Portfolio after 10yr
$623.8K
Annual income
$404,194.49/yr
Blended yield
64.79%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on IRT right now

IRT
Analyst Ratings
19
Buy
8
Hold
Consensus: Buy
Price Target
$20.08
+35.6% upside vs current
Range: $18.00 — $22.00
Altman Z
0.7
Piotroski
6/9
RF
Analyst Ratings
22
Buy
26
Hold
4
Sell
Consensus: Hold
Price Target
$29.89
+18.4% upside vs current
Range: $27.00 — $32.00
Altman Z
-0.4
Piotroski
9/9
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)

IRT buys
0
RF buys
0
No recent congressional trades found for IRT or RF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIRTRF
Forward yield4.59%4.14%
Annual dividend / share$0.68$1.05
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR10.1%57.5%
Portfolio after 10y$33.3K$1.21M
Annual income after 10y$1,914.49$806,474.51
Total dividends collected$10.7K$1.15M
Payment frequencyquarterlyquarterly
SectorREITFinancials
Analyst consensusBuyHold
Analyst price target$20.08$29.89

Year-by-year: IRT vs RF ($10,000, DRIP)

YearIRT PortfolioIRT Income/yrRF PortfolioRF Income/yrGap
1← crossover$11,206$505.52$11,352$652.09$146.00RF
2$12,573$582.88$13,236$1,089.63$663.00RF
3$14,126$672.95$16,033$1,870.12$1.9KRF
4$15,893$777.98$20,490$3,334.37$4.6KRF
5$17,906$900.64$28,196$6,272.35$10.3KRF
6$20,203$1,044.12$42,875$12,705.28$22.7KRF
7$22,830$1,212.23$74,314$28,437.81$51.5KRF
8$25,837$1,409.50$152,070$72,553.49$126.2KRF
9$29,287$1,641.41$381,252$218,537.12$352.0KRF
10$33,252$1,914.49$1,214,414$806,474.51$1.18MRF

IRT vs RF: Complete Analysis 2026

IRTREIT

Independence Realty Trust, Inc. (NYSE: IRT) is a real estate investment trust that owns and operates multifamily apartment properties across non-gateway U.S. markets, including Atlanta, Louisville, Memphis, and Raleigh. IRT's investment strategy is focused on gaining scale within key amenity rich submarkets that offer good school districts, high-quality retail and major employment centers. IRT aims to provide stockholders attractive risk-adjusted returns through diligent portfolio management, strong operational performance, and a consistent return on capital through distributions and capital appreciation.

Full IRT Calculator →

RFFinancials

Regions Financial Corporation, a financial holding company, provides banking and bank-related services to individual and corporate customers. It operates through three segments: Corporate Bank, Consumer Bank, and Wealth Management. The Corporate Bank segment offers commercial banking services, such as commercial and industrial, commercial real estate, and investor real estate lending; equipment lease financing; deposit products; and securities underwriting and placement, loan syndication and placement, foreign exchange, derivatives, merger and acquisition, and other advisory services. It serves corporate, middle market, and commercial real estate developers and investors. The Consumer Bank segment provides consumer banking products and services related to residential first mortgages, home equity lines and loans, consumer credit cards, and other consumer loans, as well as deposits. The Wealth Management segment offers credit related products, and retirement and savings solutions; and trust and investment management, asset management, and estate planning services to individuals, businesses, governmental institutions, and non-profit entities. The company also provides investment and insurance products; low-income housing tax credit corporate fund syndication services; and other specialty financing services. As of March 01, 2022, it operated through a network of 1,300 banking offices and 2,000 automated teller machines across the South, Midwest, and Texas. Regions Financial Corporation was founded in 1971 and is headquartered in Birmingham, Alabama.

Full RF Calculator →
📬

Get this IRT vs RF comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

IRT vs SCHDIRT vs JEPIIRT vs OIRT vs KOIRT vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.