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UBN vs SCHD: Dividend Comparison 2026

UBN yields 24.11% · SCHD yields 3.44%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UBN wins by $64.7K in total portfolio value
10 years
UBN
UBN
● Live price
24.11%
Share price
$8.30
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$93.6K
Annual income
$10,222.48
Full UBN calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.44%
Share price
$30.68
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$422.61
Full SCHD calculator →

Portfolio growth — UBN vs SCHD

📍 UBN pulled ahead of the other in Year 1

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 PeriodUBNSCHD
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, UBN + SCHD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
UBN pays
SCHD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

UBN
Annual income on $10K today (after 15% tax)
$2,049.08/yr
After 10yr DRIP, annual income (after tax)
$8,689.11/yr
SCHD
Annual income on $10K today (after 15% tax)
$292.49/yr
After 10yr DRIP, annual income (after tax)
$359.22/yr
At 15% tax rate, UBN beats the other by $8,329.89/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UBN + SCHD for your $10,000?

UBN: 50%SCHD: 50%
100% SCHD50/50100% UBN
Portfolio after 10yr
$61.3K
Annual income
$5,322.54/yr
Blended yield
8.68%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UBN buys
0
SCHD buys
0
No recent congressional trades found for UBN or SCHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUBNSCHD
Forward yield24.11% ✓3.44%
Annual dividend / share$2.00 ✓$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$93.6K ✓$29.0K
Annual income after 10y$10,222.48 ✓$422.61
Total dividends collected$58.3K ✓$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: UBN vs SCHD ($10,000, DRIP)

YearUBN PortfolioUBN Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$13,111$2,410.68$11,224$344.10+$1.9K → UBN
2$16,982$2,953.81$12,567$354.98+$4.4K → UBN
3$21,747$3,575.75$14,038$365.30+$7.7K → UBN
4$27,548$4,279.40$15,648$375.06+$11.9K → UBN
5$34,543$5,066.43$17,410$384.27+$17.1K → UBN
6$42,899$5,937.24$19,335$392.95+$23.6K → UBN
7$52,792$6,890.96$21,437$401.10+$31.4K → UBN
8$64,413$7,925.47$23,733$408.75+$40.7K → UBN
9$77,960$9,037.44$26,237$415.91+$51.7K → UBN
10$93,639$10,222.48$28,968$422.61+$64.7K → UBN

UBN vs SCHD: Complete Analysis 2026

UBN — Stock

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

Full UBN Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.