HomeCompareSSBK vs EPRT

SSBK vs EPRT: Dividend Comparison 2026

SSBK yields 0.99% · EPRT yields 3.97%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EPRT wins by $36.9K in total portfolio value
10 years
SSBK
SSBK
● Live price
0.99%
Share price
$36.37
Annual div
$0.36
5Y div CAGR
30.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.4K
Annual income
$1,805.19
Full SSBK calculator →
EPRT
EPRT
● Live price
3.97%
Share price
$30.36
Annual div
$1.21
5Y div CAGR
29%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$64.3K
Annual income
$13,170.85
Full EPRT calculator →

Portfolio growth — SSBK 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 PeriodSSBKEPRT
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, SSBK + EPRT cover 0 of 12 monthsgood coverage

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

SSBK
Annual income on $10K today (after 15% tax)
$84.14/yr
After 10yr DRIP, annual income (after tax)
$1,534.41/yr
EPRT
Annual income on $10K today (after 15% tax)
$337.37/yr
After 10yr DRIP, annual income (after tax)
$11,195.22/yr
At 15% tax rate, EPRT beats the other by $9,660.81/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

SSBK: 50%EPRT: 50%
100% EPRT50/50100% SSBK
Portfolio after 10yr
$45.9K
Annual income
$7,488.03/yr
Blended yield
16.32%
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Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

SSBK
Analyst Ratings
1
Buy
1
Hold
Consensus: Buy
Altman Z
-0.6
Piotroski
7/9
EPRT
Analyst Ratings
1
Strong
17
Buy
3
Hold
1
Sell
Consensus: Buy
Price Target
$35.50
+16.9% 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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SSBK buys
0
EPRT buys
0
No recent congressional trades found for SSBK or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSSBKEPRT
Forward yield0.99%3.97%
Annual dividend / share$0.36$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.2%29%
Portfolio after 10y$27.4K$64.3K
Annual income after 10y$1,805.19$13,170.85
Total dividends collected$6.5K$38.7K
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusBuyBuy

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

YearSSBK PortfolioSSBK Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$10,829$128.88$11,212$512.01$383.00EPRT
2$11,757$169.82$12,689$692.09$932.00EPRT
3$12,804$224.34$14,521$944.30$1.7KEPRT
4$13,998$297.30$16,841$1,302.88$2.8KEPRT
5$15,373$395.49$19,841$1,821.64$4.5KEPRT
6$16,978$528.52$23,818$2,587.47$6.8KEPRT
7$18,876$710.25$29,230$3,744.65$10.4KEPRT
8$21,158$960.89$36,816$5,540.38$15.7KEPRT
9$23,950$1,310.61$47,806$8,413.17$23.9KEPRT
10$27,432$1,805.19$64,324$13,170.85$36.9KEPRT

SSBK vs EPRT: Complete Analysis 2026

SSBKStock

Southern States Bancshares, Inc. operates as the bank holding company for Southern States Bank that provides community banking services to businesses and individuals. It offers various deposit products, such as savings, money market, and noninterest-bearing demand accounts; certificates of deposit; and time deposits. The company also provides real estate loan products, which include loans for real estate construction and development, residential mortgages, and commercial real estate mortgage loans; commercial and industrial loans; and direct consumer installment loans, overdrafts, and other revolving credit loans. In addition, it offers online and mobile banking, and ATM services. The company operates 15 offices in Alabama and Georgia, as well as a loan production office in Atlanta, Georgia. Southern States Bancshares, Inc. was founded in 2007 and is headquartered in Anniston, Alabama.

Full SSBK 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.

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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.