Home › Compare › UCBA vs RYLD

UCBA vs RYLD: Dividend Comparison 2026

UCBA yields 7.18% · RYLD yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 RYLD wins by $3.1K in total portfolio value· pulled ahead in Year 5
10 years
UCBA
UCBA
● Live price
7.18%
Share price
$27.85
Annual div
$2.00
5Y div CAGR
-15.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.0K
Annual income
$164.06
Full UCBA calculator →
RYLD
RYLD
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full RYLD calculator →

Portfolio growth — UCBA vs RYLD

📍 RYLD pulled ahead of the other in Year 5

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 PeriodUCBARYLD
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, UCBA + RYLD cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
UCBA pays
RYLD pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

UCBA
Annual income on $10K today (after 15% tax)
$610.41/yr
After 10yr DRIP, annual income (after tax)
$139.45/yr
RYLD
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, RYLD beats the other by $624.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UCBA + RYLD for your $10,000?

UCBA: 50%RYLD: 50%
100% RYLD50/50100% UCBA
Portfolio after 10yr
$26.5K
Annual income
$531.63/yr
Blended yield
2.01%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UCBA buys
0
RYLD buys
0
No recent congressional trades found for UCBA or RYLD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBARYLD
Forward yield7.18% ✓4.00%
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR-15.7%5% ✓
Portfolio after 10y$25.0K$28.0K ✓
Annual income after 10y$164.06$899.19 ✓
Total dividends collected$3.6K$6.4K ✓
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: UCBA vs RYLD ($10,000, DRIP)

YearUCBA PortfolioUCBA Income/yrRYLD PortfolioRYLD Income/yrGap
1$11,305$605.39$11,120$420.00+$185.00 → UCBA
2$12,636$539.21$12,357$458.31+$279.00 → UCBA
3$13,995$474.82$13,721$499.76+$274.00 → UCBA
4$15,389$414.33$15,227$544.58+$162.00 → UCBA
5← crossover$16,826$358.94$16,885$593.02$59.00 → RYLD
6$18,312$309.19$18,713$645.34$401.00 → RYLD
7$19,859$265.12$20,724$701.81$865.00 → RYLD
8$21,476$226.52$22,938$762.73$1.5K → RYLD
9$23,172$192.99$25,372$828.41$2.2K → RYLD
10$24,959$164.06$28,047$899.19$3.1K → RYLD

UCBA vs RYLD: Complete Analysis 2026

UCBA — Stock

UCBA is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in UCBA shares.

Full UCBA Calculator →

RYLD — ETF

RYLD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in RYLD shares.

Full RYLD Calculator →
📬

Get this UCBA vs RYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

UCBA vs SCHDUCBA vs JEPIUCBA vs OUCBA vs KOUCBA 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.