HomeCompareUMPQ vs EPRT

UMPQ vs EPRT: Dividend Comparison 2026

UMPQ yields 4.76% · EPRT yields 3.97%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UMPQ wins by $7.1K in total portfolio value
10 years
UMPQ
UMPQ
● Live price
4.76%
Share price
$17.66
Annual div
$0.84
5Y div CAGR
27.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$71.4K
Annual income
$15,197.48
Full UMPQ 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 — UMPQ vs EPRT

📍 UMPQ 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 PeriodUMPQEPRT
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, UMPQ + EPRT cover 0 of 12 monthsgood coverage

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

UMPQ
Annual income on $10K today (after 15% tax)
$404.30/yr
After 10yr DRIP, annual income (after tax)
$12,917.86/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, UMPQ beats the other by $1,722.64/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UMPQ: 50%EPRT: 50%
100% EPRT50/50100% UMPQ
Portfolio after 10yr
$67.9K
Annual income
$14,184.17/yr
Blended yield
20.90%
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Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

UMPQ
No analyst data
Altman Z
0.2
Piotroski
5/9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UMPQ buys
0
EPRT buys
0
No recent congressional trades found for UMPQ or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUMPQEPRT
Forward yield4.76%3.97%
Annual dividend / share$0.84$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR27.3%29%
Portfolio after 10y$71.4K$64.3K
Annual income after 10y$15,197.48$13,170.85
Total dividends collected$44.9K$38.7K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearUMPQ PortfolioUMPQ Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$11,306$605.50$11,212$512.01+$94.00UMPQ
2$12,911$814.43$12,689$692.09+$222.00UMPQ
3$14,922$1,106.56$14,521$944.30+$401.00UMPQ
4$17,488$1,521.49$16,841$1,302.88+$647.00UMPQ
5$20,833$2,121.42$19,841$1,821.64+$992.00UMPQ
6$25,298$3,006.75$23,818$2,587.47+$1.5KUMPQ
7$31,413$4,343.86$29,230$3,744.65+$2.2KUMPQ
8$40,029$6,417.11$36,816$5,540.38+$3.2KUMPQ
9$52,560$9,728.58$47,806$8,413.17+$4.8KUMPQ
10$71,436$15,197.48$64,324$13,170.85+$7.1KUMPQ

UMPQ vs EPRT: Complete Analysis 2026

UMPQStock

Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking services. It operates in two segments: Core Banking and Mortgage Banking. The company offers deposit products, including non-interest bearing checking, interest bearing checking and savings, and money market accounts, as well as certificates of deposit. It also provides loans for corporate and commercial customers, such as accounts receivable and inventory financing, multi-family and equipment loans, commercial equipment leases, international trade finance, real estate construction loans, permanent financing, and small business administration program financing, as well as capital markets and treasury management products. In addition, the company offers loan products, such as commercial and industrial loans; residential real estate loans for the construction, purchase, and refinancing of residential owner-occupied and rental properties; and consumer loans comprising secured and unsecured personal loans, home equity and personal lines of credit, and motor vehicle loans. Further, it provides financial planning solutions; and online and mobile banking services. The company serves high net worth individuals and families, select non-profits, and professional services firms. As of December 31, 2021, it conducted commercial and retail banking activities at 234 locations, including 202 store locations in Oregon, Washington, California, Idaho, and Nevada; and operated 28 facilities for the purpose of administrative and other functions, such as back-office support, of which two are owned and 26 are leased. The company was founded in 1953 and is headquartered in Portland, Oregon.

Full UMPQ 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.