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SBT vs EPRT: Dividend Comparison 2026

SBT yields 100.21% · EPRT yields 3.92%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 EPRT wins by $21.0K in total portfolio value· pulled ahead in Year 9
10 years
SBT
SBT
● Live price
100.21%
Share price
$4.84
Annual div
$4.85
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$42.4K
Annual income
$21.06
Full SBT 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 — SBT vs EPRT

📍 EPRT pulled ahead of the other in Year 9

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 PeriodSBTEPRT
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, SBT + EPRT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SBT
Annual income on $10K today (after 15% tax)
$8,517.56/yr
After 10yr DRIP, annual income (after tax)
$17.90/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 $10,896.72/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SBT: 50%EPRT: 50%
100% EPRT50/50100% SBT
Portfolio after 10yr
$52.9K
Annual income
$6,430.89/yr
Blended yield
12.16%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

SBT
Analyst Ratings
2
Buy
1
Hold
Consensus: Buy
Price Target
$4.50
-7.0% upside vs current
Range: $3.00 — $6.00
Altman Z
0.8
Piotroski
5/9
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)

SBT buys
0
EPRT buys
0
No recent congressional trades found for SBT or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSBTEPRT
Forward yield100.21%3.92%
Annual dividend / share$4.85$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%29%
Portfolio after 10y$42.4K$63.4K
Annual income after 10y$21.06$12,840.73
Total dividends collected$13.5K$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusBuyBuy
Analyst price target$4.50$35.50

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

YearSBT PortfolioSBT Income/yrEPRT PortfolioEPRT Income/yrGap
1$15,710$5,010.33$11,205$505.18+$4.5KSBT
2$20,488$3,678.22$12,672$682.46+$7.8KSBT
3$24,164$2,241.53$14,490$930.48+$9.7KSBT
4$27,091$1,235.36$16,786$1,282.69+$10.3KSBT
5$29,634$647.19$19,753$1,791.56+$9.9KSBT
6$32,040$330.82$23,677$2,541.64+$8.4KSBT
7$34,450$167.14$29,008$3,672.99+$5.4KSBT
8$36,945$83.98$36,463$5,425.08+$482.00SBT
9← crossover$39,573$42.08$47,238$8,221.57$7.7KEPRT
10$42,364$21.06$63,385$12,840.73$21.0KEPRT

SBT vs EPRT: Complete Analysis 2026

SBTStock

Sterling Bancorp, Inc. (Southfield, MI) operates as the unitary thrift holding company for Sterling Bank and Trust, F.S.B. that provides community banking services to individuals and businesses. It offers checking, savings, and money market accounts, as well as IRAs and certificates of deposit; and one- to four-family residential, commercial, commercial real estate, construction, and consumer loans, as well as commercial lines of credit. The company also provides retail banking services. It operates through a network of 28 branches in San Francisco and Los Angeles, California; New York, New York; and Southfield, Michigan. The company was founded in 1984 and is headquartered in Southfield, Michigan.

Full SBT 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.