HomeCompareUBNC vs ORCC

UBNC vs ORCC: Dividend Comparison 2026

UBNC yields 24.41% · ORCC yields 9.79%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UBNC wins by $9.01M 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 →
ORCC
ORCC
● Live price
9.79%
Share price
$13.48
Annual div
$1.32
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.4K
Annual income
$1.04
Full ORCC calculator →

Portfolio growth — UBNC vs ORCC

📍 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 PeriodUBNCORCC
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 + ORCC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UBNC pays
ORCC 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
ORCC
Annual income on $10K today (after 15% tax)
$832.34/yr
After 10yr DRIP, annual income (after tax)
$0.88/yr
At 15% tax rate, UBNC beats the other by $5,082,962.40/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UBNC: 50%ORCC: 50%
100% ORCC50/50100% UBNC
Portfolio after 10yr
$4.52M
Annual income
$2,989,978.92/yr
Blended yield
66.09%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ORCC right now

UBNC
No analyst data
ORCC
Analyst Ratings
9
Buy
4
Hold
1
Sell
Consensus: Buy
Price Target
$16.00
+18.7% upside vs current
Range: $16.00 — $16.00
Altman Z
0.5
Piotroski
5/9
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
ORCC buys
0
No recent congressional trades found for UBNC or ORCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUBNCORCC
Forward yield24.41%9.79%
Annual dividend / share$5.14$1.32
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR31.8%-50%
Portfolio after 10y$9.03M$21.4K
Annual income after 10y$5,979,956.80$1.04
Total dividends collected$8.69M$1.0K
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearUBNC PortfolioUBNC Income/yrORCC PortfolioORCC Income/yrGap
1← crossover$13,917$3,216.65$11,190$489.61+$2.7KUBNC
2$20,405$5,514.04$12,229$256.01+$8.2KUBNC
3$31,792$9,958.65$13,216$130.74+$18.6KUBNC
4$53,130$19,112.36$14,207$66.02+$38.9KUBNC
5$96,192$39,342.95$15,234$33.17+$81.0KUBNC
6$190,665$87,740.32$16,317$16.62+$174.3KUBNC
7$418,235$214,222.62$17,468$8.32+$400.8KUBNC
8$1,026,333$578,822.00$18,695$4.16+$1.01MUBNC
9$2,847,801$1,749,625.12$20,006$2.08+$2.83MUBNC
10$9,027,104$5,979,956.80$21,407$1.04+$9.01MUBNC

UBNC vs ORCC: 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 →

ORCCBDC

Owl Rock Capital Corporation is a business development company. The fund makes investments in senior secured or unsecured loans, subordinated loans or mezzanine loans and also considers equity-related securities including warrants and preferred stocks also pursues preferred equity investments and common equity investments. Within private equity, it seeks to invest in growth, acquisitions, market or product expansion, refinancings and recapitalizations. It seeks to invest in middle market companies based in the United States, with EBITDA between $10 million and $250 million annually and/or annual revenue of $50 million and $2.5 billion at the time of investment.

Full ORCC Calculator →
📬

Get this UBNC vs ORCC 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.