HomeCompareUCBIO vs ARCC

UCBIO vs ARCC: Dividend Comparison 2026

UCBIO yields 7.20% · ARCC yields 10.82%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UCBIO wins by $143.2K in total portfolio value
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 →
ARCC
Ares Capital Corporation
● Live price
10.82%
Share price
$17.74
Annual div
$1.92
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$1.16
Full ARCC calculator →

Portfolio growth — UCBIO vs ARCC

📍 UCBIO 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 PeriodUCBIOARCC
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, UCBIO + ARCC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UCBIO pays
ARCC pays
Both pay
Neither
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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
ARCC
Annual income on $10K today (after 15% tax)
$919.95/yr
After 10yr DRIP, annual income (after tax)
$0.99/yr
At 15% tax rate, UCBIO beats the other by $48,061.77/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UCBIO: 50%ARCC: 50%
100% ARCC50/50100% UCBIO
Portfolio after 10yr
$96.1K
Annual income
$28,272.79/yr
Blended yield
29.41%
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Analyst Conviction Gap

Where Wall Street is most bullish on ARCC right now

UCBIO
Analyst Ratings
2
Buy
8
Hold
Consensus: Hold
Altman Z
0.4
Piotroski
7/9
ARCC
Analyst Ratings
24
Buy
7
Hold
Consensus: Buy
Price Target
$21.88
+23.3% upside vs current
Range: $21.00 — $23.00
Altman Z
0.8
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)

UCBIO buys
0
ARCC buys
0
No recent congressional trades found for UCBIO or ARCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBIOARCC
Forward yield7.20%10.82%
Annual dividend / share$1.72$1.92
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.1%-50%
Portfolio after 10y$167.7K$24.5K
Annual income after 10y$56,544.42$1.16
Total dividends collected$133.0K$1.1K
Payment frequencyquarterlyquarterly
SectorStockBDC
Analyst consensusHoldBuy

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

YearUCBIO PortfolioUCBIO Income/yrARCC PortfolioARCC Income/yrGap
1← crossover$11,637$937.07$11,381$541.15+$256.00UCBIO
2$13,778$1,325.89$12,621$284.08+$1.2KUCBIO
3$16,651$1,908.67$13,827$145.31+$2.8KUCBIO
4$20,621$2,804.68$15,062$73.43+$5.6KUCBIO
5$26,288$4,223.31$16,364$36.89+$9.9KUCBIO
6$34,674$6,546.22$17,757$18.49+$16.9KUCBIO
7$47,600$10,498.73$19,258$9.25+$28.3KUCBIO
8$68,456$17,523.96$20,880$4.63+$47.6KUCBIO
9$103,891$30,642.93$22,636$2.32+$81.3KUCBIO
10$167,707$56,544.42$24,539$1.16+$143.2KUCBIO

UCBIO vs ARCC: 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 →

ARCCBDC

Ares Capital Corporation is a business development company specializing in acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing. It prefers to make investments in companies engaged in the basic and growth manufacturing, business services, consumer products, health care products and services, and information technology service sectors. The fund will also consider investments in industries such as restaurants, retail, oil and gas, and technology sectors. It focuses on investments in Northeast, Mid-Atlantic, Southeast and Southwest regions from its New York office, the Midwest region, from the Chicago office, and the Western region from the Los Angeles office. The fund typically invests between $20 million and $200 million and a maximum of $400 million in companies with an EBITDA between $10 million and $250 million. It makes debt investments between $10 million and $100 million The fund invests through revolvers, first lien loans, warrants, unitranche structures, second lien loans, mezzanine debt, private high yield, junior capital, subordinated debt, and non-control preferred and common equity. The fund also selectively considers third-party-led senior and subordinated debt financings and opportunistically considers the purchase of stressed and discounted debt positions. The fund prefers to be an agent and/or lead the transactions in which it invests. The fund also seeks board representation in its portfolio companies.

Full ARCC 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.