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UCBI vs PM: Dividend Comparison 2026

UCBI yields 3.31% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UCBI wins by $6.8K in total portfolio value· pulled ahead in Year 9
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 →
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM calculator →

Portfolio growth — UCBI vs PM

📍 UCBI pulled ahead of the other in Year 9

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 PeriodUCBIPM
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 + PM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UCBI pays
PM 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
PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/yr
At 15% tax rate, UCBI beats the other by $6,957.27/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UCBI: 50%PM: 50%
100% PM50/50100% UCBI
Portfolio after 10yr
$53.1K
Annual income
$6,595.13/yr
Blended yield
12.43%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM 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
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
Piotroski
7/9
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
PM buys
5
PoliticianChamberTickerTypeAmountDate
Julia Letlow🏢 House$PM▼ Sell$1,001 - $15,0002026-02-05
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-11-13
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▲ Buy$1,001 - $15,0002025-09-29
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-09-05
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-08-26
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-08-14
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-07-22
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBIPM
Forward yield3.31%3.49%
Annual dividend / share$0.92$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.1%17.2%
Portfolio after 10y$56.5K$49.6K
Annual income after 10y$10,687.63$2,502.61
Total dividends collected$31.9K$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$31.33$194.30

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

YearUCBI PortfolioUCBI Income/yrPM PortfolioPM Income/yrGap
1$11,130$430.08$11,650$409.56$520.00PM
2$12,491$582.03$13,592$497.49$1.1KPM
3$14,160$794.23$15,882$605.21$1.7KPM
4$16,246$1,094.69$18,589$737.41$2.3KPM
5$18,910$1,527.09$21,794$899.94$2.9KPM
6$22,395$2,161.28$25,597$1,100.16$3.2KPM
7$27,075$3,112.17$30,118$1,347.30$3.0KPM
8$33,545$4,574.79$35,505$1,652.97$2.0KPM
9← crossover$42,785$6,891.69$41,940$2,031.88+$845.00UCBI
10$56,467$10,687.63$49,643$2,502.61+$6.8KUCBI

UCBI vs PM: 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 →

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

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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.