HomeCompareUBNC vs ARCC

UBNC vs ARCC: Dividend Comparison 2026

UBNC yields 24.41% · ARCC yields 10.65%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UBNC wins by $9.00M in total portfolio value
10 years
UBNC
UBNC
● Live price
24.41%
Share price
$21.05
Annual div
$5.14
5Y div CAGR
31.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$9.03M
Annual income
$5,979,956.80
Full UBNC calculator →
ARCC
Ares Capital Corporation
● Live price
10.65%
Share price
$18.02
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.14
Full ARCC calculator →

Portfolio growth — UBNC vs ARCC

📍 UBNC 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 PeriodUBNCARCC
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, UBNC + ARCC cover 0 of 12 monthsgood coverage

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

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

UBNC
Annual income on $10K today (after 15% tax)
$2,074.47/yr
After 10yr DRIP, annual income (after tax)
$5,082,963.28/yr
ARCC
Annual income on $10K today (after 15% tax)
$905.66/yr
After 10yr DRIP, annual income (after tax)
$0.97/yr
At 15% tax rate, UBNC beats the other by $5,082,962.31/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UBNC + ARCC for your $10,000?

UBNC: 50%ARCC: 50%
100% ARCC50/50100% UBNC
Portfolio after 10yr
$4.53M
Annual income
$2,989,978.97/yr
Blended yield
66.07%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

UBNC
No analyst data
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+21.4% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
Piotroski
4/9
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)

UBNC buys
0
ARCC buys
0
No recent congressional trades found for UBNC or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUBNCARCC
Forward yield24.41%10.65%
Annual dividend / share$5.14$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR31.8%-50%
Portfolio after 10y$9.03M$24.5K
Annual income after 10y$5,979,956.80$1.14
Total dividends collected$8.69M$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC

Year-by-year: UBNC vs ARCC ($10,000, DRIP)

YearUBNC PortfolioUBNC Income/yrARCC PortfolioARCC Income/yrGap
1← crossover$13,917$3,216.65$11,373$532.74+$2.5KUBNC
2$20,405$5,514.04$12,608$279.46+$7.8KUBNC
3$31,792$9,958.65$13,809$142.90+$18.0KUBNC
4$53,130$19,112.36$15,042$72.20+$38.1KUBNC
5$96,192$39,342.95$16,341$36.27+$79.9KUBNC
6$190,665$87,740.32$17,732$18.18+$172.9KUBNC
7$418,235$214,222.62$19,231$9.10+$399.0KUBNC
8$1,026,333$578,822.00$20,851$4.55+$1.01MUBNC
9$2,847,801$1,749,625.12$22,605$2.28+$2.83MUBNC
10$9,027,104$5,979,956.80$24,504$1.14+$9.00MUBNC

UBNC vs ARCC: Complete Analysis 2026

UBNCStock

UB Bancorp operates as the bank holding company for Union Bank that provides commercial and retail banking services to individuals and businesses. The company offers checking accounts, savings and money market accounts, certificates of deposit, and individual retirement accounts; and person-to-person payment, cash management, treasury management, and remote deposit services. It also provides personal loans, including consumer instalment loans, such as auto, boat, 2nd mortgage, and home improvement loans; home equity credit lines; residential mortgage loans; residential rental property loans; personal credit lines; and personal construction loans. In addition, the company offers business loans, such as business construction loans, long-term business mortgage loans, short-term small business loans, working capital lines of credit, residential building products for speculative or pre-sold homes, SBA loans, equipment financing products, and small business start-up loans; agricultural loans comprising contract livestock production or crop production; loans for rental real estate, such as apartments, shopping centers, or office space; and mortgage loans. Further, it provides credit cards, debit cards, overdraft protection services, gift and travel cards, official checks, safe deposit boxes, telephone transfer services, online banking services, bill pay services, and wire and investment services; investment sweep accounts, merchant services, telephone banking services, and online ACH services; and e-statements, mobile banking and mobile check deposit, and digital wallet services. As of January 22, 2021, the company operated 14 branches. It serves customers primarily in Craven, Franklin, Granville, Lenoir, New Hanover, Onslow, Person, Pitt, Vance, Wake, and Wayne counties, North Carolina. The company was formerly known as Union Bank and changed its name to UB Bancorp in May 2020. UB Bancorp was incorporated in 1998 and is headquartered in Greenville, North Carolina.

Full UBNC Calculator →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.