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LUMB vs EPRT: Dividend Comparison 2026

LUMB yields 2.46% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 LUMB wins by $41.9K in total portfolio value· pulled ahead in Year 6
10 years
LUMB
LUMB
● Live price
2.46%
Share price
$14.25
Annual div
$0.35
5Y div CAGR
45.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$105.3K
Annual income
$36,671.64
Full LUMB calculator →
EPRT
EPRT
● Live price
3.92%
Share price
$30.77
Annual div
$1.21
5Y div CAGR
29%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$63.4K
Annual income
$12,840.73
Full EPRT calculator →

Portfolio growth — LUMB vs EPRT

📍 LUMB pulled ahead of the other in Year 6

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 PeriodLUMBEPRT
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, LUMB + EPRT cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

LUMB
Annual income on $10K today (after 15% tax)
$208.77/yr
After 10yr DRIP, annual income (after tax)
$31,170.89/yr
EPRT
Annual income on $10K today (after 15% tax)
$332.87/yr
After 10yr DRIP, annual income (after tax)
$10,914.62/yr
At 15% tax rate, LUMB beats the other by $20,256.27/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

LUMB: 50%EPRT: 50%
100% EPRT50/50100% LUMB
Portfolio after 10yr
$84.3K
Annual income
$24,756.18/yr
Blended yield
29.36%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

LUMB
No analyst data
Altman Z
0.1
Piotroski
4/9
EPRT
Analyst Ratings
1
Strong
17
Buy
3
Hold
1
Sell
Consensus: Buy
Price Target
$35.50
+15.4% 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)

LUMB buys
0
EPRT buys
0
No recent congressional trades found for LUMB or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricLUMBEPRT
Forward yield2.46%3.92% ✓
Annual dividend / share$0.35$1.21 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR45.6% ✓29%
Portfolio after 10y$105.3K ✓$63.4K
Annual income after 10y$36,671.64 ✓$12,840.73
Total dividends collected$78.1K ✓$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearLUMB PortfolioLUMB Income/yrEPRT PortfolioEPRT Income/yrGap
1$11,058$357.61$11,205$505.18$147.00 → EPRT
2$12,370$538.09$12,672$682.46$302.00 → EPRT
3$14,055$819.09$14,490$930.48$435.00 → EPRT
4$16,305$1,266.39$16,786$1,282.69$481.00 → EPRT
5$19,445$1,999.14$19,753$1,791.56$308.00 → EPRT
6← crossover$24,051$3,244.29$23,677$2,541.64+$374.00 → LUMB
7$31,195$5,460.23$29,008$3,672.99+$2.2K → LUMB
8$43,015$9,636.92$36,463$5,425.08+$6.6K → LUMB
9$64,109$18,082.46$47,238$8,221.57+$16.9K → LUMB
10$105,268$36,671.64$63,385$12,840.73+$41.9K → LUMB

LUMB vs EPRT: Complete Analysis 2026

LUMB — Stock

Lumbee Guaranty Bank provides various community banking services. The company offers personal and business checking and savings accounts; personal certificates of deposit and individual retirement accounts; and business investment accounts. It also provides mortgage, auto, personal, and business loans, as well as lines of credit; personal convenience and business services. In addition, the company offers online, bill pay, mobile, and telephone banking services. It operates fourteen branch offices in Robeson, Cumberland, and Hoke counties in North Carolina. The company was formerly known as Lumbee Bank and changed its name to Lumbee Guaranty Bank in 1991. Lumbee Guaranty Bank was incorporated in 1971 and is based in Pembroke, North Carolina.

Full LUMB Calculator →

EPRT — REIT

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.