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STL vs EPRT: Dividend Comparison 2026

STL yields 19.57% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 STL wins by $7.7K in total portfolio value
10 years
STL
STL
● Live price
19.57%
Share price
$26.29
Annual div
$5.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$71.1K
Annual income
$6,434.38
Full STL 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 — STL vs EPRT

📍 STL 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 PeriodSTLEPRT
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, STL + EPRT cover 0 of 12 monthsgood coverage

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

STL
Annual income on $10K today (after 15% tax)
$1,663.38/yr
After 10yr DRIP, annual income (after tax)
$5,469.22/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 $5,445.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

STL: 50%EPRT: 50%
100% EPRT50/50100% STL
Portfolio after 10yr
$67.2K
Annual income
$9,637.55/yr
Blended yield
14.33%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

STL
Analyst Ratings
13
Buy
7
Hold
Consensus: Buy
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)

STL buys
0
EPRT buys
0
No recent congressional trades found for STL or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSTLEPRT
Forward yield19.57%3.92%
Annual dividend / share$5.14$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%29%
Portfolio after 10y$71.1K$63.4K
Annual income after 10y$6,434.38$12,840.73
Total dividends collected$40.0K$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusBuyBuy

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

YearSTL PortfolioSTL Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$12,657$1,956.92$11,205$505.18+$1.5KSTL
2$15,858$2,314.81$12,672$682.46+$3.2KSTL
3$19,678$2,710.47$14,490$930.48+$5.2KSTL
4$24,199$3,143.45$16,786$1,282.69+$7.4KSTL
5$29,506$3,612.74$19,753$1,791.56+$9.8KSTL
6$35,688$4,116.81$23,677$2,541.64+$12.0KSTL
7$42,840$4,653.63$29,008$3,672.99+$13.8KSTL
8$51,059$5,220.76$36,463$5,425.08+$14.6KSTL
9$60,449$5,815.37$47,238$8,221.57+$13.2KSTL
10$71,115$6,434.38$63,385$12,840.73+$7.7KSTL

STL vs EPRT: Complete Analysis 2026

STLStock

Sterling Bancorp operates as the bank holding company for Sterling National Bank that provides various banking products and services to commercial, consumer, and municipal clients in the United States. The company accepts deposit products, including interest and non-interest checking, savings, money market, time, and demand deposits, as well as certificates of deposit. Its loan products include commercial and industrial, asset-based, payroll finance, warehouse, factored receivables, equipment finance, public sector finance, and commercial real estate, such as multi-family loans; residential and commercial mortgage loans; consumer loans, such as homeowner loans, home equity lines of credit, new and used automobile loans, and personal unsecured loans; and acquisition, development, and construction loans. The company also engages in the third-party provider to sell mutual funds and annuities; and provision of annuity and wealth management products. As of December 31, 2020, it operated 76 full-service retail and commercial financial centers in the New York Metro Market and the New York Suburban Market. Sterling Bancorp was founded in 1888 and is headquartered in Pearl River, New York.

Full STL 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.