HomeCompareUBNC vs VIG

UBNC vs VIG: Dividend Comparison 2026

UBNC yields 24.41% · VIG yields 1.64%● Live data

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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 →
VIG
Vanguard Dividend Appreciation ETF
● Live price
1.64%
Share price
$210.70
Annual div
$3.45
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$32.4K
Annual income
$179.15
Full VIG calculator →

Portfolio growth — UBNC vs VIG

📍 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 PeriodUBNCVIG
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 + VIG cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UBNC pays
VIG 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
VIG
Annual income on $10K today (after 15% tax)
$139.33/yr
After 10yr DRIP, annual income (after tax)
$152.28/yr
At 15% tax rate, UBNC beats the other by $5,082,811.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UBNC: 50%VIG: 50%
100% VIG50/50100% UBNC
Portfolio after 10yr
$4.53M
Annual income
$2,990,067.98/yr
Blended yield
66.01%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UBNC buys
0
VIG buys
0
No recent congressional trades found for UBNC or VIG in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUBNCVIG
Forward yield24.41%1.64%
Annual dividend / share$5.14$3.45
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR31.8%0%
Portfolio after 10y$9.03M$32.4K
Annual income after 10y$5,979,956.80$179.15
Total dividends collected$8.69M$1.7K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearUBNC PortfolioUBNC Income/yrVIG PortfolioVIG Income/yrGap
1← crossover$13,917$3,216.65$11,304$163.92+$2.6KUBNC
2$20,405$5,514.04$12,759$166.33+$7.6KUBNC
3$31,792$9,958.65$14,382$168.52+$17.4KUBNC
4$53,130$19,112.36$16,192$170.52+$36.9KUBNC
5$96,192$39,342.95$18,210$172.34+$78.0KUBNC
6$190,665$87,740.32$20,460$173.98+$170.2KUBNC
7$418,235$214,222.62$22,968$175.48+$395.3KUBNC
8$1,026,333$578,822.00$25,763$176.83+$1.00MUBNC
9$2,847,801$1,749,625.12$28,878$178.05+$2.82MUBNC
10$9,027,104$5,979,956.80$32,350$179.15+$8.99MUBNC

UBNC vs VIG: 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 →

VIGETF

Seeks to track the performance of the S&P U.S. Dividend Growers Index.Passively managed, full-replication approach.Fund remains fully invested.Large-cap equity, emphasizing stocks with a record of growing their dividends year over year.Low expenses minimize net tracking error.With respect to 75% of its total assets, the fund may not: (1) purchase more than 10% of the outstanding voting securities of any one issuer or (2) purchase securities of any issuer if, as a result, more than 5% of the fund’s total assets would be invested in that issuer’s securities; except as may be necessary to approximate the composition of its target index. This limitation does not apply to obligations of the U.S. government or its agencies or instrumentalities.

Full VIG 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.