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VBFC vs EPRT: Dividend Comparison 2026

VBFC yields 0.90% · EPRT yields 3.92%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EPRT wins by $42.4K in total portfolio value
10 years
VBFC
VBFC
● Live price
0.90%
Share price
$80.21
Annual div
$0.72
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.9K
Annual income
$95.15
Full VBFC 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 — VBFC 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 PeriodVBFCEPRT
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, VBFC + EPRT cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

VBFC
Annual income on $10K today (after 15% tax)
$76.30/yr
After 10yr DRIP, annual income (after tax)
$80.88/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 $10,833.74/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VBFC: 50%EPRT: 50%
100% EPRT50/50100% VBFC
Portfolio after 10yr
$42.2K
Annual income
$6,467.94/yr
Blended yield
15.34%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on EPRT right now

VBFC
No analyst data
Altman Z
0.2
Piotroski
4/9
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)

VBFC buys
0
EPRT buys
0
No recent congressional trades found for VBFC or EPRT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVBFCEPRT
Forward yield0.90%3.92%
Annual dividend / share$0.72$1.21
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%29%
Portfolio after 10y$20.9K$63.4K
Annual income after 10y$95.15$12,840.73
Total dividends collected$927.00$37.9K
Payment frequencyquarterlyquarterly
SectorStockREIT

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

YearVBFC PortfolioVBFC Income/yrEPRT PortfolioEPRT Income/yrGap
1← crossover$10,790$89.76$11,205$505.18$415.00EPRT
2$11,636$90.52$12,672$682.46$1.0KEPRT
3$12,541$91.23$14,490$930.48$1.9KEPRT
4$13,511$91.90$16,786$1,282.69$3.3KEPRT
5$14,549$92.52$19,753$1,791.56$5.2KEPRT
6$15,661$93.12$23,677$2,541.64$8.0KEPRT
7$16,851$93.67$29,008$3,672.99$12.2KEPRT
8$18,125$94.20$36,463$5,425.08$18.3KEPRT
9$19,488$94.69$47,238$8,221.57$27.8KEPRT
10$20,947$95.15$63,385$12,840.73$42.4KEPRT

VBFC vs EPRT: Complete Analysis 2026

VBFCStock

Village Bank and Trust Financial Corp. primarily operates as the bank holding company for Village Bank that provides banking and related financial services to small and medium sized businesses, professionals, and individuals. It operates in two segments, Traditional Commercial Banking and Mortgage Banking. The company accepts checking, savings, money market, and individual retirement accounts, as well as certificates of deposit and other depository services. It also offers secured and unsecured commercial business loans for various purposes, such as funding working capital needs, business expansion, and purchase of equipment and machinery; loans for acquiring, developing, constructing, and owning commercial real estate properties; and secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments, as well as originates mortgage loans, real estate construction loans, and acquisition loans for sale in the secondary market. In addition, the company offers online and mobile banking, and remote deposit capture services for business clients. It provides its products and services through nine full-service branch banking offices and a mortgage loan production office in Central Virginia in the counties of Chesterfield, Hanover, Henrico, Powhatan, James City, and Richmond City. The company was founded in 1999 and is headquartered in Midlothian, Virginia.

Full VBFC 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.