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UCBIO vs ADC: Dividend Comparison 2026

UCBIO yields 7.20% · ADC yields 4.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $11.2K in total portfolio value· pulled ahead in Year 10
10 years
UCBIO
UCBIO
● Live price
7.20%
Share price
$23.88
Annual div
$1.72
5Y div CAGR
30.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$167.7K
Annual income
$56,544.42
Full UCBIO calculator →
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →

Portfolio growth — UCBIO vs ADC

📍 ADC pulled ahead of the other in Year 10

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 PeriodUCBIOADC
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, UCBIO + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UCBIO
Annual income on $10K today (after 15% tax)
$612.23/yr
After 10yr DRIP, annual income (after tax)
$48,062.76/yr
ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
At 15% tax rate, ADC beats the other by $20,614.94/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UCBIO + ADC for your $10,000?

UCBIO: 50%ADC: 50%
100% ADC50/50100% UCBIO
Portfolio after 10yr
$173.3K
Annual income
$68,670.86/yr
Blended yield
39.62%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

UCBIO
Analyst Ratings
2
Buy
8
Hold
Consensus: Hold
Altman Z
0.4
Piotroski
7/9
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% upside vs current
Range: $75.00 — $84.50
Altman Z
1.6
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)

UCBIO buys
0
ADC buys
0
No recent congressional trades found for UCBIO or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBIOADC
Forward yield7.20%4.13%
Annual dividend / share$1.72$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.1%40.4%
Portfolio after 10y$167.7K$178.9K
Annual income after 10y$56,544.42$80,797.29
Total dividends collected$133.0K$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT
Analyst consensusHoldBuy

Year-by-year: UCBIO vs ADC ($10,000, DRIP)

YearUCBIO PortfolioUCBIO Income/yrADC PortfolioADC Income/yrGap
1$11,637$937.07$10,990$580.36+$647.00UCBIO
2$13,778$1,325.89$12,301$860.26+$1.5KUCBIO
3$16,651$1,908.67$14,104$1,298.62+$2.5KUCBIO
4$20,621$2,804.68$16,691$2,008.16+$3.9KUCBIO
5$26,288$4,223.31$20,580$3,205.09+$5.7KUCBIO
6$34,674$6,546.22$26,754$5,330.02+$7.9KUCBIO
7$47,600$10,498.73$37,196$9,345.14+$10.4KUCBIO
8$68,456$17,523.96$56,244$17,523.09+$12.2KUCBIO
9$103,891$30,642.93$94,286$35,736.21+$9.6KUCBIO
10← crossover$167,707$56,544.42$178,949$80,797.29$11.2KADC

UCBIO vs ADC: Complete Analysis 2026

UCBIOStock

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 UCBIO Calculator →

ADCREIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC 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.