Is UBCB or DIVO a better dividend investment in 2026?

UBCB currently yields 10.50% with a 5% 5-year dividend growth rate. DIVO yields 4.00% with 5% growth. The better choice depends on your goal: UBCB offers higher current income.

What is the dividend yield difference between UBCB and DIVO?

UBCB has a forward dividend yield of 10.50% ($2.00/share annually). DIVO yields 4.00% ($2.00/share annually). The yield gap is 6.50 percentage points.

Home › Compare › UBCB vs DIVO

UBCB vs DIVO: Dividend Comparison 2026

UBCB yields 10.50% · DIVO yields 4.00%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 UBCB wins by $12.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

UBCB

● Live price

10.50%

Share price

$19.04

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$40.0K

Annual income

$2,029.63

Full UBCB calculator →

DIVO

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full DIVO calculator →

Portfolio growth — UBCB vs DIVO

📍 UBCB 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 Period	UBCB	DIVO
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, UBCB + DIVO cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UBCB pays

DIVO pays

Both pay

Neither

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Tax Bracket Optimizer

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

UBCB

Annual income on $10K today (after 15% tax)

$892.72/yr

After 10yr DRIP, annual income (after tax)

$1,725.19/yr

DIVO

Annual income on $10K today (after 15% tax)

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, UBCB beats the other by $960.87/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UBCB + DIVO for your $10,000?

UBCB: 50%DIVO: 50%

100% DIVO50/50100% UBCB

Portfolio after 10yr

$34.0K

Annual income

$1,464.41/yr

Blended yield

4.30%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UBCB buys

DIVO buys

No recent congressional trades found for UBCB or DIVO in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricUBCBDIVO

Forward yield	10.50% ✓	4.00%
Annual dividend / share	$2.00	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$40.0K ✓	$28.0K
Annual income after 10y	$2,029.63 ✓	$899.19
Total dividends collected	$15.4K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: UBCB vs DIVO ($10,000, DRIP)

Year	UBCB Portfolio	UBCB Income/yr	DIVO Portfolio	DIVO Income/yr	Gap
1← crossover	$11,750	$1,050.25	$11,120	$420.00	+$630.00 → UBCB
2	$13,726	$1,153.34	$12,357	$458.31	+$1.4K → UBCB
3	$15,946	$1,259.14	$13,721	$499.76	+$2.2K → UBCB
4	$18,429	$1,367.09	$15,227	$544.58	+$3.2K → UBCB
5	$21,196	$1,476.63	$16,885	$593.02	+$4.3K → UBCB
6	$24,267	$1,587.20	$18,713	$645.34	+$5.6K → UBCB
7	$27,664	$1,698.28	$20,724	$701.81	+$6.9K → UBCB
8	$31,410	$1,809.35	$22,938	$762.73	+$8.5K → UBCB
9	$35,528	$1,919.95	$25,372	$828.41	+$10.2K → UBCB
10	$40,045	$2,029.63	$28,047	$899.19	+$12.0K → UBCB

UBCB vs DIVO: Complete Analysis 2026

UBCB — Stock

The fund is actively managed by proprietary artificial intelligence (AI) algorithms. Under normal circumstances, the fund invests at least 80% of its net assets in large capitalization companies listed on U.S. stock exchanges and markets, including common stocks, ADRs and exchange-traded funds that provide exposure to large cap companies. In normal market conditions, the adviser anticipates the fund will hold 40-100 different positions across a broad spectrum of industries as dictated by its proprietary investment models. The fund is non-diversified.

Full UBCB Calculator →

DIVO — ETF

DIVO is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in DIVO shares.

Full DIVO 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.