HomeCompareFITB vs UNP

FITB vs UNP: Dividend Comparison 2026

FITB yields 3.45% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FITB wins by $120.2K in total portfolio value
10 years
FITB
FITB
● Live price
3.45%
Share price
$44.68
Annual div
$1.54
5Y div CAGR
45.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$190.1K
Annual income
$82,140.41
Full FITB 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 — FITB vs UNP

📍 FITB 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 PeriodFITBUNP
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, FITB + UNP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FITB
Annual income on $10K today (after 15% tax)
$292.97/yr
After 10yr DRIP, annual income (after tax)
$69,819.35/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, FITB beats the other by $54,115.69/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FITB: 50%UNP: 50%
100% UNP50/50100% FITB
Portfolio after 10yr
$130.0K
Annual income
$50,307.65/yr
Blended yield
38.69%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNP right now

FITB
Analyst Ratings
1
Strong
26
Buy
22
Hold
2
Sell
Consensus: Buy
Price Target
$56.90
+27.4% upside vs current
Range: $50.00 — $61.00
Altman Z
0.2
Piotroski
8/9
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)

FITB 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 →
MetricFITBUNP
Forward yield3.45%2.29%
Annual dividend / share$1.54$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR45.8%40.9%
Portfolio after 10y$190.1K$69.9K
Annual income after 10y$82,140.41$18,474.89
Total dividends collected$157.8K$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$56.90$276.57

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

YearFITB PortfolioFITB Income/yrUNP PortfolioUNP Income/yrGap
1← crossover$11,203$502.53$11,023$322.76+$180.00FITB
2$12,754$767.11$12,263$468.48+$491.00FITB
3$14,837$1,190.02$13,808$686.31+$1.0KFITB
4$17,762$1,886.34$15,792$1,017.59+$2.0KFITB
5$22,082$3,077.09$18,430$1,532.54+$3.7KFITB
6$28,840$5,212.79$22,075$2,355.20+$6.8KFITB
7$40,136$9,277.03$27,335$3,714.82+$12.8KFITB
8$60,538$17,592.13$35,306$6,057.38+$25.2KFITB
9$100,932$36,156.20$48,080$10,302.43+$52.9KFITB
10$190,137$82,140.41$69,920$18,474.89+$120.2KFITB

FITB vs UNP: Complete Analysis 2026

FITBFinancials

Fifth Third Bancorp operates as a diversified financial services company in the United States. The company's Commercial Banking segment offers credit intermediation, cash management, and financial services; lending and depository products; and cash management, foreign exchange and international trade finance, derivatives and capital markets services, asset-based lending, real estate finance, public finance, commercial leasing, and syndicated finance for business, government, and professional customers. Its Branch Banking segment provides a range of deposit and loan products to individuals and small businesses. This segment offers checking and savings accounts, home equity loans and lines of credit, credit cards, and loans for automobiles and personal financing needs, as well as cash management services for small businesses. The company's Consumer Lending segment engages in direct lending activities that include origination, retention, and servicing of residential mortgage and home equity loans or lines of credit; and indirect lending activities, including loans to consumers through correspondent lenders and automobile dealers. Fifth Third Bancorp's Wealth & Asset Management segment provides various investment alternatives for individuals, companies, and not-for-profit organizations. It offers retail brokerage services to individual clients; and broker dealer services to the institutional marketplace. This segment also provides wealth planning, investment management, banking, insurance, and trust and estate services; and advisory services for institutional clients comprising middle market businesses, non-profits, states, and municipalities. As of December 31, 2021, the company operated 1,117 full-service banking centers and 2,322 ATMs in Ohio, Kentucky, Indiana, Michigan, Illinois, Florida, Tennessee, West Virginia, Georgia, North Carolina, and South Carolina. Fifth Third Bancorp was founded in 1858 and is headquartered in Cincinnati, Ohio.

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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.