HomeCompareFHN vs UNP

FHN vs UNP: Dividend Comparison 2026

FHN yields 2.81% · UNP yields 2.29%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UNP wins by $30.0K in total portfolio value· pulled ahead in Year 3
10 years
FHN
FHN
● Live price
2.81%
Share price
$22.05
Annual div
$0.62
5Y div CAGR
25.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$39.9K
Annual income
$4,751.32
Full FHN 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 — FHN vs UNP

📍 UNP pulled ahead of the other in Year 3

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodFHNUNP
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%.
📅

Dividend Calendar Overlap

Combined, FHN + UNP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FHN
Annual income on $10K today (after 15% tax)
$239.00/yr
After 10yr DRIP, annual income (after tax)
$4,038.62/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, UNP beats the other by $11,665.03/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FHN: 50%UNP: 50%
100% UNP50/50100% FHN
Portfolio after 10yr
$54.9K
Annual income
$11,613.11/yr
Blended yield
21.15%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNP right now

FHN
Analyst Ratings
16
Buy
19
Hold
Consensus: Hold
Price Target
$26.71
+21.1% upside vs current
Range: $23.00 — $30.00
Altman Z
0.2
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)

FHN buys
5
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 →
MetricFHNUNP
Forward yield2.81%2.29%
Annual dividend / share$0.62$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR25.2%40.9%
Portfolio after 10y$39.9K$69.9K
Annual income after 10y$4,751.32$18,474.89
Total dividends collected$17.0K$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusHoldBuy
Analyst price target$26.71$276.57

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

YearFHN PortfolioFHN Income/yrUNP PortfolioUNP Income/yrGap
1$11,052$352.04$11,023$322.76+$29.00FHN
2$12,281$455.25$12,263$468.48+$18.00FHN
3← crossover$13,733$591.92$13,808$686.31$75.00UNP
4$15,468$774.46$15,792$1,017.59$324.00UNP
5$17,572$1,020.73$18,430$1,532.54$858.00UNP
6$20,159$1,356.77$22,075$2,355.20$1.9KUNP
7$23,391$1,821.25$27,335$3,714.82$3.9KUNP
8$27,501$2,472.74$35,306$6,057.38$7.8KUNP
9$32,828$3,401.73$48,080$10,302.43$15.3KUNP
10$39,877$4,751.32$69,920$18,474.89$30.0KUNP

FHN vs UNP: Complete Analysis 2026

FHNFinancials

First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through three segments: Regional Banking, Specialty Banking, and Corporate. It offers general banking services for consumers, businesses, financial institutions, and governments. The company also underwrites bank-eligible securities and other fixed-income securities eligible for underwriting by financial subsidiaries; sells loans and derivatives; and offers advisory services. In addition, it offers various services, such as mortgage banking; title insurance and loan-closing; brokerage; correspondent banking; nationwide check clearing and remittance processing; trust, fiduciary, and agency; equipment finance; and investment and financial advisory services. Further, the company sells mutual fund and retail insurance products; and credit cards. It operates approximately 500 banking offices in 22 states under the First Horizon Bank brand; and 400 banking centers in 12 states under the FHN Financial brand in the United States. The company was formerly known as First Horizon National Corporation and changed its name to First Horizon Corporation in November 2020. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.

Full FHN Calculator →

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 →
📬

Get this FHN vs UNP comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FHN vs SCHDFHN vs JEPIFHN vs OFHN vs KOFHN vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.