⏳ Fetching live dividend data...
Home › Calculator › UBNC Dividend Calculator 2026
UB Bancorp · OTC
Price: $21.05 · Annual div: $5.14/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
Click to apply scenario to the calculator
Year your monthly dividend income covers each expense (based on current settings)
$10,000 in UBNC → $3.06M in 10 years · $7,434.08/month
UB Bancorp functions as the parent entity for Union Bank, delivering comprehensive commercial and retail banking solutions to both individual clients and corporate entities. Its array of deposit products includes checking, savings, money market, certificates of deposit (CDs), and individual retirement accounts (IRAs). Complementing these are digital solutions such as person-to-person payments, robust cash and treasury management tools, and convenient remote deposit services. For individual borrowers, UB Bancorp extends a variety of personal financing options. These encompass consumer installment loans for purchases like automobiles and boats, second mortgages, home improvement financing, home equity lines of credit, traditional residential mortgages, loans for personal rental properties, general personal credit lines, and construction loans for new homes. The institution also supports businesses with diverse lending products, ranging from construction and long-term commercial mortgages to short-term small business loans and working capital lines of credit. Specialized offerings include financing for speculative or pre-sold residential building projects, Small Business Administration (SBA) loans, equipment financing, and start-up capital. Furthermore, it provides agricultural loans for contract livestock and crop production, alongside financing for various rental real estate ventures like apartments, shopping centers, and office complexes. Beyond lending, a comprehensive suite of convenience services is available. This includes credit and debit cards, overdraft protection, gift and travel cards, official checks, safe deposit boxes, and a full spectrum of digital banking solutions: telephone and online transfers, bill pay, wire services, investment sweep accounts, merchant services, online ACH, e-statements, mobile banking with mobile check deposit, and digital wallet functionality. With 14 branches operational as of January 22, 2021, UB Bancorp primarily serves clients across numerous North Carolina counties, including Craven, Franklin, Granville, Lenoir, New Hanover, Onslow, Person, Pitt, Vance, Wake, and Wayne. Established in 1998, the company, originally known as Union Bank, officially adopted the name UB Bancorp in May 2020. Its headquarters are situated in Greenville, North Carolina.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
We'll send you a full breakdown of your projections, DRIP tips, and how to enable dividend reinvestment with your broker.
Free forever. No spam. Unsubscribe anytime. · Privacy Policy
Ready to invest? Open UBNC position with:
Real after-tax yield depends on where you live and how you hold UBNC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 24.41% | 21.61% | $2,441 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 20.75% | 17.95% | $2,075 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 19.53% | 16.73% | $1,953 / yr |
| 🇬🇧 UK ISA | 0% | 24.41% | 21.61% | $2,441 / yr |
| 🇬🇧 UK Taxable | 8.75% | 22.27% | 19.47% | $2,227 / yr |
| 🇨🇦 TFSA | 0% | 24.41% | 21.61% | $2,441 / yr |
| 🇨🇦 CA Taxable | 25% | 18.31% | 15.51% | $1,831 / yr |
| 🇦🇺 Super (pension) | 15% | 20.75% | 17.95% | $2,075 / yr |
| 🇦🇺 AU Taxable | 30% | 17.09% | 14.29% | $1,709 / yr |
| 🇩🇪 DE Taxable | 26.375% | 17.97% | 15.17% | $1,797 / yr |
| 🇫🇷 FR Taxable | 30% | 17.09% | 14.29% | $1,709 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $5.14/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
UBNC pays quarterly — 4 times per year. Next ex-div: TBD.
How UBNC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for UBNC sourced from FMP /financial-growth endpoint — real data, not estimates.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the UBNC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
UB Bancorp (UBNC) is currently trading at $21.05, 8% below its 52-week high. The current dividend yield is 24.41% based on an annual payout of $5.14 per share.
UB Bancorp (UBNC) is a financial services stock currently trading at $21.05 with a dividend yield of 24.41%. The company pays an annual dividend of $5.14 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, UBNC has grown its dividend at a compound annual rate of 31.8%.
Auto-generated from live market data. For educational purposes only — not financial advice.
Real users. No sign-up required to leave a review.
“Finally a free dividend calculator that doesn't make me sign up or connect my brokerage. Entered SCHD and got the full DRIP projection in seconds. Bookmarked immediately.”
“I've been trying to figure out how much dividend income I'd need to retire. This tool showed me exactly — $400K in JEPI at 7% yield gives me $2,333/month. No calculator did that this clearly before.”
“Really solid passive income calculator. Covers everything: DRIP compounding, Roth IRA tax savings, DCA contributions. The year-by-year breakdown is what I was missing from other tools.”
“As someone planning retirement in 5 years, this dividend yield calculator showed me I need about 12% more in dividend stocks to hit my income target. Incredibly useful and completely free.”
“The Congress trades tracker is genius. Saw that several senators were buying O (Realty Income) and immediately ran it through the DRIP calculator. Bought 50 shares the next day.”
Reviews reflect users' personal experiences. Not financial advice.
Leave a review →