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UCBI vs CHD: Dividend Comparison 2026

UCBI yields 3.31% · CHD yields 1.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UCBI wins by $30.1K in total portfolio value
10 years
UCBI
UCBI
● Live price
3.31%
Share price
$27.83
Annual div
$0.92
5Y div CAGR
30.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$56.5K
Annual income
$10,687.63
Full UCBI calculator →
CHD
CHD
● Live price
1.27%
Share price
$93.91
Annual div
$1.19
5Y div CAGR
23.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.4K
Annual income
$1,292.51
Full CHD calculator →

Portfolio growth — UCBI vs CHD

📍 UCBI 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 PeriodUCBICHD
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, UCBI + CHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UCBI pays
CHD pays
Both pay
Neither
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Tax Bracket Optimizer

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

UCBI
Annual income on $10K today (after 15% tax)
$280.99/yr
After 10yr DRIP, annual income (after tax)
$9,084.49/yr
CHD
Annual income on $10K today (after 15% tax)
$107.94/yr
After 10yr DRIP, annual income (after tax)
$1,098.63/yr
At 15% tax rate, UCBI beats the other by $7,985.85/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UCBI + CHD for your $10,000?

UCBI: 50%CHD: 50%
100% CHD50/50100% UCBI
Portfolio after 10yr
$41.4K
Annual income
$5,990.07/yr
Blended yield
14.47%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CHD right now

UCBI
Analyst Ratings
2
Buy
8
Hold
Consensus: Hold
Price Target
$31.33
+12.6% upside vs current
Range: $26.00 — $35.00
Altman Z
0.4
Piotroski
7/9
CHD
Analyst Ratings
18
Buy
15
Hold
1
Sell
Consensus: Buy
Price Target
$98.40
+4.8% upside vs current
Range: $82.00 — $110.00
Altman Z
4.9
Piotroski
6/9
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)

UCBI buys
0
CHD buys
0
No recent congressional trades found for UCBI or CHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBICHD
Forward yield3.31%1.27%
Annual dividend / share$0.92$1.19
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.1%23.1%
Portfolio after 10y$56.5K$26.4K
Annual income after 10y$10,687.63$1,292.51
Total dividends collected$31.9K$5.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$31.33$98.40

Year-by-year: UCBI vs CHD ($10,000, DRIP)

YearUCBI PortfolioUCBI Income/yrCHD PortfolioCHD Income/yrGap
1← crossover$11,130$430.08$10,856$156.32+$274.00UCBI
2$12,491$582.03$11,811$195.24+$680.00UCBI
3$14,160$794.23$12,883$244.38+$1.3KUCBI
4$16,246$1,094.69$14,091$306.64+$2.2KUCBI
5$18,910$1,527.09$15,463$385.88+$3.4KUCBI
6$22,395$2,161.28$17,033$487.17+$5.4KUCBI
7$27,075$3,112.17$18,843$617.36+$8.2KUCBI
8$33,545$4,574.79$20,947$785.72+$12.6KUCBI
9$42,785$6,891.69$23,419$1,004.91+$19.4KUCBI
10$56,467$10,687.63$26,350$1,292.51+$30.1KUCBI

UCBI vs CHD: Complete Analysis 2026

UCBIStock

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.

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CHDConsumer Staples

Church & Dwight Co., Inc. develops, manufactures, and markets household, personal care, and specialty products. It operates through three segments: Consumer Domestic, Consumer International, and Specialty Products Division. The company offers cat litters, carpet deodorizers, laundry detergents, and baking soda, as well as other baking soda based products under the ARM & HAMMER brand; condoms, lubricants, and vibrators under the TROJAN brand; stain removers, cleaning solutions, laundry detergents, and bleach alternatives under the OXICLEAN brand; battery-operated and manual toothbrushes under the SPINBRUSH brand; home pregnancy and ovulation test kits under the FIRST RESPONSE brand; depilatories under the NAIR brand; oral analgesics under the ORAJEL brand; laundry detergents under the XTRA brand; gummy dietary supplements under the L'IL CRITTERS and VITAFUSION brands; dry shampoos under the BATISTE brand; water flossers and replacement showerheads under the WATERPIK brand; FLAWLESS products; cold shortening and relief products under the ZICAM brand; and oral care products under the THERABREATH brand. Its specialty products include animal productivity products, such as MEGALAC rumen bypass fat, a supplement that enables cows to maintain energy levels during the period of high milk production; BIO-CHLOR and FERMENTEN, which are used to reduce health issues associated with calving, as well as provides needed protein; and CELMANAX refined functional carbohydrate, a yeast-based prebiotic. The company offers sodium bicarbonate; and cleaning and deodorizing products. It sells its consumer products through supermarkets, mass merchandisers, wholesale clubs, drugstores, convenience stores, home stores, dollar and other discount stores, pet and other specialty stores, and websites and other e-commerce channels; and specialty products to industrial customers and livestock producers through distributors. The company was founded in 1846 and is headquartered in Ewing, New Jersey.

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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.