HomeComparePNC vs UNP

PNC vs UNP: Dividend Comparison 2026

PNC yields 3.32% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PNC wins by $85.9K in total portfolio value
10 years
PNC
PNC
● Live price
3.32%
Share price
$201.66
Annual div
$6.70
5Y div CAGR
44.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$155.8K
Annual income
$62,283.88
Full PNC 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 — PNC vs UNP

📍 PNC 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 PeriodPNCUNP
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, PNC + UNP cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PNC
Annual income on $10K today (after 15% tax)
$282.41/yr
After 10yr DRIP, annual income (after tax)
$52,941.30/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, PNC beats the other by $37,237.64/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PNC: 50%UNP: 50%
100% UNP50/50100% PNC
Portfolio after 10yr
$112.9K
Annual income
$40,379.39/yr
Blended yield
35.77%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNP right now

PNC
Analyst Ratings
22
Buy
22
Hold
2
Sell
Consensus: Buy
Price Target
$244.44
+21.2% upside vs current
Range: $206.00 — $284.00
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)

PNC 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 →
MetricPNCUNP
Forward yield3.32%2.29%
Annual dividend / share$6.70$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR44.4%40.9%
Portfolio after 10y$155.8K$69.9K
Annual income after 10y$62,283.88$18,474.89
Total dividends collected$125.2K$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$244.44$276.57

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

YearPNC PortfolioPNC Income/yrUNP PortfolioUNP Income/yrGap
1← crossover$11,180$479.76$11,023$322.76+$157.00PNC
2$12,686$723.83$12,263$468.48+$423.00PNC
3$14,683$1,108.46$13,808$686.31+$875.00PNC
4$17,442$1,731.32$15,792$1,017.59+$1.6KPNC
5$21,438$2,775.53$18,430$1,532.54+$3.0KPNC
6$27,543$4,603.92$22,075$2,355.20+$5.5KPNC
7$37,453$7,982.36$27,335$3,714.82+$10.1KPNC
8$54,723$14,648.56$35,306$6,057.38+$19.4KPNC
9$87,439$28,884.39$48,080$10,302.43+$39.4KPNC
10$155,843$62,283.88$69,920$18,474.89+$85.9KPNC

PNC vs UNP: Complete Analysis 2026

PNCFinancials

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as certificates of deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, ATMs, call centers, and online and mobile banking channels. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting; foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The company's Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services for ultra high net worth individuals and their families. It also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and fiduciary retirement advisory services for institutional clients. The company has 2,591 branches and 9,502 ATMs. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.

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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.