Is UBP or XYLD a better dividend investment in 2026?

UBP currently yields 3.54% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: XYLD offers higher current income.

What is the dividend yield difference between UBP and XYLD?

UBP has a forward dividend yield of 3.54% ($0.75/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 7.44 percentage points.

Home › Compare › UBP vs XYLD

UBP vs XYLD: Dividend Comparison 2026

UBP yields 3.54% · XYLD yields 10.98%● Live data

vsPost on X →

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

🏆 XYLD wins by $2.0K in total portfolio value· pulled ahead in Year 7

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 →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — UBP vs XYLD

📍 XYLD pulled ahead of the other in Year 7

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	XYLD
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, UBP + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UBP pays

XYLD 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

XYLD

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

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, XYLD beats the other by $2,581.24/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

UBP: 50%XYLD: 50%

100% XYLD50/50100% UBP

Portfolio after 10yr

$24.3K

Annual income

$1,700.64/yr

Blended yield

7.01%

📊

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

XYLD

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

XYLD buys

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

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

MetricUBPXYLD

Forward yield	3.54%	10.98% ✓
Annual dividend / share	$0.75	$4.30 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-7.9%	0% ✓
Portfolio after 10y	$23.3K	$25.3K ✓
Annual income after 10y	$182.27	$3,219.02 ✓
Total dividends collected	$2.5K	$19.6K ✓
Payment frequency	quarterly	monthly
Sector	Stock	ETF

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

Year	UBP Portfolio	UBP Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1	$11,026	$325.67	$10,818	$1,098.39	+$208.00 → UBP
2	$12,107	$309.07	$11,738	$1,222.51	+$369.00 → UBP
3	$13,246	$292.11	$12,774	$1,364.64	+$472.00 → UBP
4	$14,448	$275.10	$13,944	$1,527.86	+$504.00 → UBP
5	$15,718	$258.29	$15,270	$1,715.87	+$448.00 → UBP
6	$17,060	$241.86	$16,775	$1,933.09	+$285.00 → UBP
7← crossover	$18,480	$225.95	$18,490	$2,184.87	$10.00 → XYLD
8	$19,985	$210.68	$20,450	$2,477.63	$465.00 → XYLD
9	$21,580	$196.10	$22,697	$2,819.19	$1.1K → XYLD
10	$23,273	$182.27	$25,280	$3,219.02	$2.0K → XYLD

UBP vs XYLD: 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 →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD Calculator →

📬

Get this UBP vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

UBP vs SCHD UBP vs JEPI UBP vs O UBP vs KO UBP vs MAIN UBP vs QYLD UBP vs JEPQ UBP vs RYLD

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