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UCBIO vs CL: Dividend Comparison 2026

UCBIO yields 7.20% · CL yields 2.44%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UCBIO wins by $126.7K 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 →
CL
CL
● Live price
2.44%
Share price
$85.23
Annual div
$2.08
5Y div CAGR
28.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$41.0K
Annual income
$5,451.69
Full CL calculator →

Portfolio growth — UCBIO vs CL

📍 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 PeriodUCBIOCL
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 + CL cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UCBIO pays
CL 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
CL
Annual income on $10K today (after 15% tax)
$207.44/yr
After 10yr DRIP, annual income (after tax)
$4,633.94/yr
At 15% tax rate, UCBIO beats the other by $43,428.82/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

UCBIO: 50%CL: 50%
100% CL50/50100% UCBIO
Portfolio after 10yr
$104.3K
Annual income
$30,998.06/yr
Blended yield
29.71%
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Analyst Conviction Gap

Where Wall Street is most bullish on CL right now

UCBIO
Analyst Ratings
2
Buy
8
Hold
Consensus: Hold
Altman Z
0.4
Piotroski
7/9
CL
Analyst Ratings
17
Buy
24
Hold
2
Sell
Consensus: Hold
Price Target
$92.45
+8.5% upside vs current
Range: $85.00 — $100.00
Altman Z
4.5
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)

UCBIO buys
0
CL buys
9
PoliticianChamberTickerTypeAmountDate
John Boozman🏛 Senate$CL▼ Sell$1,001 - $15,0002025-10-09
Ro Khanna🏢 House$CL▼ Sell$1,001 - $15,0002025-10-07
Rick Larsen🏢 House$CL▼ Sell$1,001 - $15,0002025-10-06
Ro Khanna🏢 House$CL▼ Sell$1,001 - $15,0002025-09-29
Julie Johnson🏢 House$CL▼ Sell$1,001 - $15,0002025-09-25
Lisa McClain🏢 House$CL▼ Sell$1,001 - $15,0002025-09-11
Tim Moore🏢 House$CL▼ Sell$1,001 - $15,0002025-09-10
Ro Khanna🏢 House$CL▲ Buy$1,001 - $15,0002025-09-05
Ro Khanna🏢 House$CL▲ Buy$1,001 - $15,0002025-08-26
Lisa McClain🏢 House$CL▲ Buy$1,001 - $15,0002025-08-13
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBIOCL
Forward yield7.20%2.44%
Annual dividend / share$1.72$2.08
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.1%28.6%
Portfolio after 10y$167.7K$41.0K
Annual income after 10y$56,544.42$5,451.69
Total dividends collected$133.0K$18.1K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold

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

YearUCBIO PortfolioUCBIO Income/yrCL PortfolioCL Income/yrGap
1← crossover$11,637$937.07$11,014$313.84+$623.00UCBIO
2$13,778$1,325.89$12,200$415.44+$1.6KUCBIO
3$16,651$1,908.67$13,607$553.09+$3.0KUCBIO
4$20,621$2,804.68$15,301$741.41+$5.3KUCBIO
5$26,288$4,223.31$17,374$1,002.00+$8.9KUCBIO
6$34,674$6,546.22$19,958$1,367.44+$14.7KUCBIO
7$47,600$10,498.73$23,243$1,887.87+$24.4KUCBIO
8$68,456$17,523.96$27,512$2,642.43+$40.9KUCBIO
9$103,891$30,642.93$33,197$3,759.22+$70.7KUCBIO
10$167,707$56,544.42$40,973$5,451.69+$126.7KUCBIO

UCBIO vs CL: 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.

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CLConsumer Staples

Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products worldwide. The company operates through two segments, Oral, Personal and Home Care; and Pet Nutrition. The Oral, Personal and Home Care segment offers toothpaste, toothbrushes, mouthwash, bar and liquid hand soaps, shower gels, shampoos, conditioners, deodorants and antiperspirants, skin health products, dishwashing detergents, fabric conditioners, household cleaners, and other related items. This segment markets and sells its products under various brands, which include Colgate, Darlie, elmex, hello, meridol, Sorriso, Tom's of Maine, Irish Spring, Palmolive, Protex, Sanex, Softsoap, Lady Speed Stick, Speed Stick, EltaMD, Filorga, PCA SKIN, Ajax, Axion, Fabuloso, Murphy, Suavitel, Soupline, and Cuddly to a range of traditional and eCommerce retailers, wholesalers, and distributors. It also includes pharmaceutical products for dentists and other oral health professionals. The Pet Nutrition segment offers pet nutrition products for everyday nutritional needs under the Hill's Science Diet brand; and a range of therapeutic products to manage disease conditions in dogs and cats under the Hill's Prescription Diet brand. This segment markets and sells its products through pet supply retailers, veterinarians, and eCommerce retailers. Colgate-Palmolive Company was founded in 1806 and is headquartered in New York, New York.

Full CL 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.