Is UBP or SCHD a better dividend investment in 2026?

UBP currently yields 3.54% with a 5% 5-year dividend growth rate. SCHD yields 3.46% with 13.05% growth. The better choice depends on your goal: UBP offers higher current income.

What is the dividend yield difference between UBP and SCHD?

UBP has a forward dividend yield of 3.54% ($0.75/share annually). SCHD yields 3.46% ($1.06/share annually). The yield gap is 0.08 percentage points.

Home › Compare › UBP vs SCHD

UBP vs SCHD: Dividend Comparison 2026

UBP yields 3.54% · SCHD yields 3.46%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 SCHD wins by $5.7K in total portfolio value

INVESTMENT

TIME HORIZON10 years

UBP

● Live price

3.54%

Share price

$21.21

Annual div

$0.75

5Y div CAGR

-7.9%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.3K

Annual income

$182.27

Full UBP calculator →

SCHD

Schwab U.S. Dividend Equity ETF

● Live price

3.46%

Share price

$30.48

Annual div

$1.06

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$29.0K

Annual income

$425.95

Full SCHD calculator →

Portfolio growth — UBP vs SCHD

📍 SCHD 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 Period	UBP	SCHD
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, UBP + SCHD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UBP pays

SCHD pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

UBP

Annual income on $10K today (after 15% tax)

$300.57/yr

After 10yr DRIP, annual income (after tax)

$154.93/yr

SCHD

Annual income on $10K today (after 15% tax)

$294.40/yr

After 10yr DRIP, annual income (after tax)

$362.06/yr

At 15% tax rate, SCHD beats the other by $207.13/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UBP + SCHD for your $10,000?

UBP: 50%SCHD: 50%

100% SCHD50/50100% UBP

Portfolio after 10yr

$26.1K

Annual income

$304.10/yr

Blended yield

1.16%

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Analyst Conviction Gap

Where Wall Street is most bullish on UBP right now

UBP

Analyst Ratings

Buy

Hold

Consensus: Buy

Altman Z

1.5

Piotroski

7/9

SCHD

No analyst data

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)

UBP buys

SCHD buys

No recent congressional trades found for UBP or SCHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricUBPSCHD

Forward yield	3.54% ✓	3.46%
Annual dividend / share	$0.75	$1.06 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-7.9%	0% ✓
Portfolio after 10y	$23.3K	$29.0K ✓
Annual income after 10y	$182.27	$425.95 ✓
Total dividends collected	$2.5K	$3.9K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: UBP vs SCHD ($10,000, DRIP)

Year	UBP Portfolio	UBP Income/yr	SCHD Portfolio	SCHD Income/yr	Gap
1← crossover	$11,026	$325.67	$11,226	$346.36	$200.00 → SCHD
2	$12,107	$309.07	$12,572	$357.38	$465.00 → SCHD
3	$13,246	$292.11	$14,046	$367.84	$800.00 → SCHD
4	$14,448	$275.10	$15,660	$377.73	$1.2K → SCHD
5	$15,718	$258.29	$17,425	$387.07	$1.7K → SCHD
6	$17,060	$241.86	$19,354	$395.86	$2.3K → SCHD
7	$18,480	$225.95	$21,461	$404.13	$3.0K → SCHD
8	$19,985	$210.68	$23,762	$411.89	$3.8K → SCHD
9	$21,580	$196.10	$26,272	$419.15	$4.7K → SCHD
10	$23,273	$182.27	$29,010	$425.95	$5.7K → SCHD

UBP vs SCHD: Complete Analysis 2026

UBP — Stock

Urstadt Biddle Properties Inc. is a self-administered equity real estate investment trust which owns or has equity interests in 81 properties containing approximately 5.2 million square feet of space. Listed on the New York Stock Exchange since 1970, it provides investors with a means of participating in ownership of income-producing properties. It has paid 203 consecutive quarters of uninterrupted dividends to its shareholders since its inception.

Full UBP Calculator →

SCHD — ETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.