About Union Financial Corporation (UFCP) — Dividend Analysis 2026
Union Financial Corporation operates as a bank holding company for Union Bank that provides banking products and services in Michigan. It offers checking, savings, money market, and health savings accounts; credit cards, certificate of deposits; and overdraft protection services. The company also provides home equity lines of credit; closed end home equity loans; construction, business, agricultural, auto, and personal loans; and mortgage services. In addition, the company offers personal investment services, which include investments, educational savings plans, traditional and Roth IRAs, fixed and variable annuities, and mutual funds; business planning services; and life and long-term care insurance services. The company was founded in 1934 and is based in Lake Odessa, Michigan.
Is UFCP a good dividend investment in 2026?
UFCP offers a 79.68% forward yield with a 50% payout ratio. Strand Safety Score: 8/100 (Critical Risk). The 5-year dividend CAGR of -50% is modest — investors should weigh current income against growth alternatives.
UFCP DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your UFCP portfolio grows to $229.2K vs $154.5K without reinvestment. This is the compound interest effect in action.
UFCP dividend growth history & forecast
UFCP has grown its dividend by 0% over the last year and -50% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 79.68%.
FCF ($1,392) is below dividends paid ($7M) — risk of cut (FCF: $1,392 · Dividends est.: $7M)
Debt Leverage0.0× Debt/EBITDA
0 / 30 pts
0/30
Company not generating EBITDA — debt servicing risk is elevated
Earnings Momentum+0.0B → +0.0B → +0.0B
8 / 30 pts
8/30
Net income is positive but trending down — watch for further deterioration
OVERALL ASSESSMENT
High risk of dividend cut — weak fundamentals across multiple factors.
STRAND SCORE
8
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 UFCP Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold UFCP.
Gross yield
79.68%
Tax rate
15.00%
After-tax yield
67.73%
Real yield (−CPI)
64.93%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
79.68%
76.88%
$7,968 / yr
🇺🇸 US Taxable (15%) ✓
15%
67.73%
64.93%
$6,773 / yr
🇺🇸 US Taxable (20%)
20%
63.74%
60.94%
$6,374 / yr
🇬🇧 UK ISA
0%
79.68%
76.88%
$7,968 / yr
🇬🇧 UK Taxable
8.75%
72.71%
69.91%
$7,271 / yr
🇨🇦 TFSA
0%
79.68%
76.88%
$7,968 / yr
🇨🇦 CA Taxable
25%
59.76%
56.96%
$5,976 / yr
🇦🇺 Super (pension)
15%
67.73%
64.93%
$6,773 / yr
🇦🇺 AU Taxable
30%
55.78%
52.98%
$5,578 / yr
🇩🇪 DE Taxable
26.375%
58.66%
55.86%
$5,866 / yr
🇫🇷 FR Taxable
30%
55.78%
52.98%
$5,578 / 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.
🎯 UFCP Income Goal & Break-Even
Dividend Break-Even
2yr
Years for dividends to fully repay your UFCP investment of $2.51/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$7.9K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$5.4K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in UFCP for:
Shares needed
14,118
Capital required
$35,436
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 UFCP Dividend Payment Schedule
UFCP pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 UFCP vs Financial Services Benchmarks
How UFCP compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+76.78% vs sectorBetter
UFCP
79.68%
avg
2.90%
5Y Dividend CAGR▼-57.10% vs sectorBelow avg
UFCP
-50.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
UFCP
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for UFCP sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ UFCP Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.20
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
4/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
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 UFCP 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 →