HomeCompareUBNC vs CL

UBNC vs CL: Dividend Comparison 2026

UBNC yields 24.41% · CL yields 2.43%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UBNC wins by $8.99M 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 →
CL
CL
● Live price
2.43%
Share price
$85.73
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$5,401.96
Full CL calculator →

Portfolio growth — UBNC vs CL

📍 UBNC 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 PeriodUBNCCL
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, UBNC + CL cover 0 of 12 monthsgood coverage

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

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
CL
Annual income on $10K today (after 15% tax)
$206.23/yr
After 10yr DRIP, annual income (after tax)
$4,591.67/yr
At 15% tax rate, UBNC beats the other by $5,078,371.61/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UBNC: 50%CL: 50%
100% CL50/50100% UBNC
Portfolio after 10yr
$4.53M
Annual income
$2,992,679.38/yr
Blended yield
66.01%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

UBNC
No analyst data
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+7.8% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
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)

UBNC buys
0
CL buys
0
No recent congressional trades found for UBNC or CL in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUBNCCL
Forward yield24.41%2.43%
Annual dividend / share$5.14$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR31.8%28.6%
Portfolio after 10y$9.03M$40.8K
Annual income after 10y$5,979,956.80$5,401.96
Total dividends collected$8.69M$18.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearUBNC PortfolioUBNC Income/yrCL PortfolioCL Income/yrGap
1← crossover$13,917$3,216.65$11,012$312.01+$2.9KUBNC
2$20,405$5,514.04$12,196$412.95+$8.2KUBNC
3$31,792$9,958.65$13,599$549.66+$18.2KUBNC
4$53,130$19,112.36$15,288$736.64+$37.8KUBNC
5$96,192$39,342.95$17,353$995.28+$78.8KUBNC
6$190,665$87,740.32$19,926$1,357.80+$170.7KUBNC
7$418,235$214,222.62$23,194$1,873.82+$395.0KUBNC
8$1,026,333$578,822.00$27,439$2,621.52+$998.9KUBNC
9$2,847,801$1,749,625.12$33,088$3,727.38+$2.81MUBNC
10$9,027,104$5,979,956.80$40,806$5,401.96+$8.99MUBNC

UBNC vs CL: 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 →

CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL Calculator →
📬

Get this UBNC vs CL comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

UBNC vs SCHDUBNC vs JEPIUBNC vs OUBNC vs KOUBNC vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.