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UCBI vs JNJ: Dividend Comparison 2026

UCBI yields 3.31% · JNJ yields 2.13%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UCBI wins by $26.2K 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 →
JNJ
Johnson & Johnson
● Live price
2.13%
Share price
$244.44
Annual div
$5.20
5Y div CAGR
28%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.3K
Annual income
$4,689.40
Full JNJ calculator →

Portfolio growth — UCBI vs JNJ

📍 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 PeriodUCBIJNJ
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 + JNJ cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UCBI pays
JNJ pays
Both pay
Neither
💰

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
JNJ
Annual income on $10K today (after 15% tax)
$180.82/yr
After 10yr DRIP, annual income (after tax)
$3,985.99/yr
At 15% tax rate, UCBI beats the other by $5,098.50/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UCBI: 50%JNJ: 50%
100% JNJ50/50100% UCBI
Portfolio after 10yr
$43.4K
Annual income
$7,688.52/yr
Blended yield
17.73%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on JNJ 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
JNJ
Analyst Ratings
20
Buy
17
Hold
3
Sell
Consensus: Buy
Price Target
$228.73
-6.4% upside vs current
Range: $190.00 — $265.00
Altman Z
5.2
Piotroski
4/9
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
JNJ buys
0
No recent congressional trades found for UCBI or JNJ in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBIJNJ
Forward yield3.31%2.13%
Annual dividend / share$0.92$5.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.1%28%
Portfolio after 10y$56.5K$30.3K
Annual income after 10y$10,687.63$4,689.40
Total dividends collected$31.9K$15.4K
Payment frequencyquarterlyquarterly
SectorStockHealthcare
Analyst consensusHoldBuy
Analyst price target$31.33$228.73

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

YearUCBI PortfolioUCBI Income/yrJNJ PortfolioJNJ Income/yrGap
1← crossover$11,130$430.08$10,592$272.30+$538.00UCBI
2$12,491$582.03$11,289$357.73+$1.2KUCBI
3$14,160$794.23$12,123$472.89+$2.0KUCBI
4$16,246$1,094.69$13,141$629.86+$3.1KUCBI
5$18,910$1,527.09$14,408$846.81+$4.5KUCBI
6$22,395$2,161.28$16,021$1,151.60+$6.4KUCBI
7$27,075$3,112.17$18,122$1,588.22+$9.0KUCBI
8$33,545$4,574.79$20,930$2,228.20+$12.6KUCBI
9$42,785$6,891.69$24,792$3,191.91+$18.0KUCBI
10$56,467$10,687.63$30,274$4,689.40+$26.2KUCBI

UCBI vs JNJ: 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.

Full UCBI Calculator →

JNJHealthcare

Johnson & Johnson, together with its subsidiaries, researches and develops, manufactures, and sells various products in the healthcare field worldwide, but strategically separated its Consumer Health business into Kenvue Inc. in 2023 to focus on its higher-growth, innovation-driven segments; the former Consumer Health brands (including TYLENOL, LISTERINE, and BAND-AID) are now owned by Kenvue. The company's core focus is now split between its Innovative Medicine (formerly Pharmaceutical) segment, which offers prescription products for complex diseases such as rheumatoid arthritis, various cancers, HIV/AIDS, and neurodegenerative disorders; and its MedTech (Medical Devices) segment, which provides advanced technology solutions including electrophysiology products, neurovascular care products, orthopaedics (hips, knees, spine), advanced surgery solutions, and disposable contact lenses under the ACUVUE brand. Company's two remaining segments primarily serve hospitals, healthcare professionals, wholesalers, and retailers, continuing its mission of advancing human health since its founding in 1886 and its current basing in New Brunswick, New Jersey.

Full JNJ 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.