HomeCompareBAC vs UNP

BAC vs UNP: Dividend Comparison 2026

BAC yields 2.33% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BAC wins by $39.0K in total portfolio value
10 years
BAC
BAC
● Live price
2.33%
Share price
$47.23
Annual div
$1.10
5Y div CAGR
47.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$109.0K
Annual income
$39,185.81
Full BAC calculator →
UNP
UNP
● Live price
2.29%
Share price
$239.23
Annual div
$5.48
5Y div CAGR
40.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$69.9K
Annual income
$18,474.89
Full UNP calculator →

Portfolio growth — BAC vs UNP

📍 BAC 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 PeriodBACUNP
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, BAC + UNP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

BAC
Annual income on $10K today (after 15% tax)
$197.97/yr
After 10yr DRIP, annual income (after tax)
$33,307.94/yr
UNP
Annual income on $10K today (after 15% tax)
$194.71/yr
After 10yr DRIP, annual income (after tax)
$15,703.66/yr
At 15% tax rate, BAC beats the other by $17,604.28/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of BAC + UNP for your $10,000?

BAC: 50%UNP: 50%
100% UNP50/50100% BAC
Portfolio after 10yr
$89.4K
Annual income
$28,830.36/yr
Blended yield
32.24%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BAC right now

BAC
Analyst Ratings
35
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$60.33
+27.7% upside vs current
Range: $50.00 — $71.00
Altman Z
-0.3
Piotroski
6/9
UNP
Analyst Ratings
1
Strong
27
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$276.57
+15.6% upside vs current
Range: $245.00 — $311.00
Altman Z
3.9
Piotroski
6/9
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)

BAC buys
0
UNP buys
7
PoliticianChamberTickerTypeAmountDate
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-02-19
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-11-13
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$50,001 - $100,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Ro Khanna🏢 House$UNP▼ Sell$1,001 - $15,0002025-09-05
Ro Khanna🏢 House$UNP▲ Buy$15,001 - $50,0002025-08-26
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBACUNP
Forward yield2.33%2.29%
Annual dividend / share$1.10$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR47.1%40.9%
Portfolio after 10y$109.0K$69.9K
Annual income after 10y$39,185.81$18,474.89
Total dividends collected$81.7K$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$60.33$276.57

Year-by-year: BAC vs UNP ($10,000, DRIP)

YearBAC PortfolioBAC Income/yrUNP PortfolioUNP Income/yrGap
1← crossover$11,043$342.60$11,023$322.76+$20.00BAC
2$12,336$520.10$12,263$468.48+$73.00BAC
3$13,998$798.75$13,808$686.31+$190.00BAC
4$16,224$1,246.06$15,792$1,017.59+$432.00BAC
5$19,345$1,985.44$18,430$1,532.54+$915.00BAC
6$23,954$3,254.61$22,075$2,355.20+$1.9KBAC
7$31,171$5,540.30$27,335$3,714.82+$3.8KBAC
8$43,264$9,911.45$35,306$6,057.38+$8.0KBAC
9$65,205$18,912.41$48,080$10,302.43+$17.1KBAC
10$108,955$39,185.81$69,920$18,474.89+$39.0KBAC

BAC vs UNP: Complete Analysis 2026

BACFinancials

Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, noninterest-and interest-bearing checking accounts, and investment accounts and products; and credit and debit cards, residential mortgages, and home equity loans, as well as direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The company's Global Wealth & Investment Management segment offers investment management, brokerage, banking, and trust and retirement products and services; and wealth management solutions, as well as customized solutions, including specialty asset management services. Its Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, and short-term investing options and merchant services; working capital management solutions; and debt and equity underwriting and distribution, and merger-related and other advisory services. The company's Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services, as well as risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. As of December 31, 2021, it served approximately 67 million consumer and small business clients with approximately 4,200 retail financial centers; approximately 16,000 ATMs; and digital banking platforms with approximately 41 million active users. The company was founded in 1784 and is based in Charlotte, North Carolina.

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UNPStock

Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. The company offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to grain processors, animal feeders, ethanol producers, and other agricultural users; petroleum, and liquid petroleum gases; and construction products, industrial chemicals, plastics, forest products, specialized products, metals and ores, soda ash, and sand, as well as finished automobiles, automotive parts, and merchandise in intermodal containers. As of December 31, 2021, its rail network included 32,452 route miles connecting Pacific Coast and Gulf Coast ports with the Midwest and Eastern United States gateways. The company was founded in 1862 and is headquartered in Omaha, Nebraska.

Full UNP 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.