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JPM vs UNP: Dividend Comparison 2026

JPM yields 2.04% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 JPM wins by $7.7K in total portfolio value· pulled ahead in Year 6
10 years
JPM
JPM
● Live price
2.04%
Share price
$283.77
Annual div
$5.80
5Y div CAGR
44.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.6K
Annual income
$23,001.23
Full JPM 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 — JPM vs UNP

📍 JPM pulled ahead of the other in Year 6

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 PeriodJPMUNP
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, JPM + UNP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
JPM pays
UNP pays
Both pay
Neither
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Tax Bracket Optimizer

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

JPM
Annual income on $10K today (after 15% tax)
$173.73/yr
After 10yr DRIP, annual income (after tax)
$19,551.05/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, JPM beats the other by $3,847.39/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

JPM: 50%UNP: 50%
100% UNP50/50100% JPM
Portfolio after 10yr
$73.8K
Annual income
$20,738.07/yr
Blended yield
28.11%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on JPM right now

JPM
Analyst Ratings
1
Strong
32
Buy
25
Hold
2
Sell
Consensus: Buy
Price Target
$336.10
+18.4% upside vs current
Range: $280.00 — $391.00
Altman Z
0.6
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)

JPM buys
14
UNP buys
7
PoliticianChamberTickerTypeAmountDate
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-02-19
David Taylor🏢 House$JPM▲ Buy$1,001 - $15,0002026-01-29
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
Katie Britt🏛 Senate$JPM▼ Sell$1,001 - $15,0002026-01-28
Katie Britt🏛 Senate$JPM▼ Sell$1,001 - $15,0002026-01-28
Jonathan Jackson🏢 House$JPM▲ Buy$1,001 - $15,0002026-01-20
David Taylor🏢 House$JPM▲ Buy$1,001 - $15,0002026-01-16
Jefferson Shreve🏢 House$JPM▲ Buy$10,000,001 - $25,000,0002025-12-30
Markwayne Mullin🏛 Senate$JPM▲ Buy$50,001 - $100,0002025-12-29
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricJPMUNP
Forward yield2.04%2.29%
Annual dividend / share$5.80$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR44.8%40.9%
Portfolio after 10y$77.6K$69.9K
Annual income after 10y$23,001.23$18,474.89
Total dividends collected$52.4K$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$336.10$276.57

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

YearJPM PortfolioJPM Income/yrUNP PortfolioUNP Income/yrGap
1$10,996$295.96$11,023$322.76$27.00UNP
2$12,206$440.40$12,263$468.48$57.00UNP
3$13,722$661.57$13,808$686.31$86.00UNP
4$15,689$1,006.48$15,792$1,017.59$103.00UNP
5$18,345$1,557.28$18,430$1,532.54$85.00UNP
6← crossover$22,093$2,464.12$22,075$2,355.20+$18.00JPM
7$27,655$4,015.97$27,335$3,714.82+$320.00JPM
8$36,394$6,803.03$35,306$6,057.38+$1.1KJPM
9$51,057$12,115.49$48,080$10,302.43+$3.0KJPM
10$77,633$23,001.23$69,920$18,474.89+$7.7KJPM

JPM vs UNP: Complete Analysis 2026

JPMFinancials

JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and Asset & Wealth Management (AWM). The CCB segment offers s deposit, investment and lending products, payments, and services to consumers; lending, deposit, and cash management and payment solutions to small businesses; mortgage origination and servicing activities; residential mortgages and home equity loans; and credit card, auto loan, and leasing services. The CIB segment provides investment banking products and services, including corporate strategy and structure advisory, and equity and debt markets capital-raising services, as well as loan origination and syndication; payments and cross-border financing; and cash and derivative instruments, risk management solutions, prime brokerage, and research. This segment also offers securities services, including custody, fund accounting and administration, and securities lending products for asset managers, insurance companies, and public and private investment funds. The CB segment provides financial solutions, including lending, payments, investment banking, and asset management to small business, large and midsized companies, local governments, and nonprofit clients; and commercial real estate banking services to investors, developers, and owners of multifamily, office, retail, industrial, and affordable housing properties. The AWM segment offers multi-asset investment management solutions in equities, fixed income, alternatives, and money market funds to institutional clients and retail investors; and retirement products and services, brokerage, custody, trusts and estates, loans, mortgages, deposits, and investment management products. The company also provides ATM, online and mobile, and telephone banking services. JPMorgan Chase & Co. was founded in 1799 and is headquartered in New York, New York.

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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.