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UCBI vs EPRT: Dividend Comparison 2026

UCBI yields 3.31% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EPRT wins by $6.9K in total portfolio value
10 years
UCBI
UCBI
● Live price
3.31%
Share price
$27.83
Annual div
$0.92
5Y div CAGR
30.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$56.5K
Annual income
$10,687.63
Full UCBI 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 — UCBI 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 PeriodUCBIEPRT
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, UCBI + EPRT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UCBI
Annual income on $10K today (after 15% tax)
$280.99/yr
After 10yr DRIP, annual income (after tax)
$9,084.49/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 $1,830.14/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UCBI: 50%EPRT: 50%
100% EPRT50/50100% UCBI
Portfolio after 10yr
$59.9K
Annual income
$11,764.18/yr
Blended yield
19.63%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

UCBI
Analyst Ratings
2
Buy
8
Hold
Consensus: Hold
Price Target
$31.33
+12.6% upside vs current
Range: $26.00 — $35.00
Altman Z
0.4
Piotroski
7/9
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)

UCBI buys
0
EPRT buys
0
No recent congressional trades found for UCBI or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBIEPRT
Forward yield3.31%3.92%
Annual dividend / share$0.92$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.1%29%
Portfolio after 10y$56.5K$63.4K
Annual income after 10y$10,687.63$12,840.73
Total dividends collected$31.9K$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT
Analyst consensusHoldBuy
Analyst price target$31.33$35.50

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

YearUCBI PortfolioUCBI Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$11,130$430.08$11,205$505.18$75.00EPRT
2$12,491$582.03$12,672$682.46$181.00EPRT
3$14,160$794.23$14,490$930.48$330.00EPRT
4$16,246$1,094.69$16,786$1,282.69$540.00EPRT
5$18,910$1,527.09$19,753$1,791.56$843.00EPRT
6$22,395$2,161.28$23,677$2,541.64$1.3KEPRT
7$27,075$3,112.17$29,008$3,672.99$1.9KEPRT
8$33,545$4,574.79$36,463$5,425.08$2.9KEPRT
9$42,785$6,891.69$47,238$8,221.57$4.5KEPRT
10$56,467$10,687.63$63,385$12,840.73$6.9KEPRT

UCBI vs EPRT: Complete Analysis 2026

UCBIStock

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.

Full UCBI 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.