HomeCompareUBNC vs PEP

UBNC vs PEP: Dividend Comparison 2026

UBNC yields 24.41% · PEP yields 3.63%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UBNC wins by $8.89M 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 →
PEP
PepsiCo Inc.
● Live price
3.63%
Share price
$156.82
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$141.9K
Annual income
$61,875.67
Full PEP calculator →

Portfolio growth — UBNC vs PEP

📍 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 PeriodUBNCPEP
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 + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UBNC pays
PEP 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
PEP
Annual income on $10K today (after 15% tax)
$308.41/yr
After 10yr DRIP, annual income (after tax)
$52,594.32/yr
At 15% tax rate, UBNC beats the other by $5,030,368.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UBNC: 50%PEP: 50%
100% PEP50/50100% UBNC
Portfolio after 10yr
$4.58M
Annual income
$3,020,916.24/yr
Blended yield
65.89%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

UBNC
No analyst data
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+10.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
Piotroski
7/9
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
PEP buys
0
No recent congressional trades found for UBNC or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUBNCPEP
Forward yield24.41%3.63%
Annual dividend / share$5.14$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR31.8%40.4%
Portfolio after 10y$9.03M$141.9K
Annual income after 10y$5,979,956.80$61,875.67
Total dividends collected$8.69M$123.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearUBNC PortfolioUBNC Income/yrPEP PortfolioPEP Income/yrGap
1← crossover$13,917$3,216.65$10,849$509.42+$3.1KUBNC
2$20,405$5,514.04$11,969$750.47+$8.4KUBNC
3$31,792$9,958.65$13,500$1,124.14+$18.3KUBNC
4$53,130$19,112.36$15,680$1,721.66+$37.5KUBNC
5$96,192$39,342.95$18,929$2,715.34+$77.3KUBNC
6$190,665$87,740.32$24,023$4,450.80+$166.6KUBNC
7$418,235$214,222.62$32,510$7,669.92+$385.7KUBNC
8$1,026,333$578,822.00$47,709$14,093.60+$978.6KUBNC
9$2,847,801$1,749,625.12$77,415$28,083.48+$2.77MUBNC
10$9,027,104$5,979,956.80$141,922$61,875.67+$8.89MUBNC

UBNC vs PEP: 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 →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.