HomeComparePCSB vs EPRT

PCSB vs EPRT: Dividend Comparison 2026

PCSB yields 3.41% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EPRT wins by $38.5K in total portfolio value
10 years
PCSB
PCSB
● Live price
3.41%
Share price
$19.04
Annual div
$0.65
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.9K
Annual income
$425.24
Full PCSB 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 — PCSB vs EPRT

📍 EPRT 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 PeriodPCSBEPRT
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, PCSB + EPRT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PCSB 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.

PCSB
Annual income on $10K today (after 15% tax)
$290.18/yr
After 10yr DRIP, annual income (after tax)
$361.45/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, EPRT beats the other by $10,553.17/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PCSB: 50%EPRT: 50%
100% EPRT50/50100% PCSB
Portfolio after 10yr
$44.2K
Annual income
$6,632.98/yr
Blended yield
15.02%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

PCSB
No analyst data
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)

PCSB buys
0
EPRT buys
0
No recent congressional trades found for PCSB or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPCSBEPRT
Forward yield3.41%3.92%
Annual dividend / share$0.65$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%29%
Portfolio after 10y$24.9K$63.4K
Annual income after 10y$425.24$12,840.73
Total dividends collected$3.9K$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearPCSB PortfolioPCSB Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$11,041$341.39$11,205$505.18$164.00EPRT
2$12,167$352.28$12,672$682.46$505.00EPRT
3$13,381$362.78$14,490$930.48$1.1KEPRT
4$14,691$372.89$16,786$1,282.69$2.1KEPRT
5$16,102$382.60$19,753$1,791.56$3.7KEPRT
6$17,621$391.92$23,677$2,541.64$6.1KEPRT
7$19,255$400.83$29,008$3,672.99$9.8KEPRT
8$21,012$409.35$36,463$5,425.08$15.5KEPRT
9$22,900$417.49$47,238$8,221.57$24.3KEPRT
10$24,929$425.24$63,385$12,840.73$38.5KEPRT

PCSB vs EPRT: Complete Analysis 2026

PCSBStock

PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. The company offers deposit products, including interest and non-interest bearing, time, and demand; checking, NOW, money market, savings, certificate of deposit, and individual retirement accounts; and online and mobile deposit services, as well as cash management services comprising escrow, sweep, and lockbox accounts. It also provides commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, and consumer and deposit overdraft loans, as well as home equity lines of credit, insurance products, and securities. In addition, the company is involved in investment activities. As of June 30, 2022, PCSB Financial Corporation offered its services from executive offices/headquarters and 14 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.

Full PCSB 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.