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UCBIO vs O: Dividend Comparison 2026

UCBIO yields 7.20% · O yields 5.28%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UCBIO wins by $133.5K 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 →
O
Realty Income Corporation
● Live price
5.28%
Share price
$61.15
Annual div
$3.23
5Y div CAGR
15.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.2K
Annual income
$5,102.74
Full O calculator →

Portfolio growth — UCBIO vs O

📍 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 PeriodUCBIOO
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 + O cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UCBIO pays
O 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
O
Annual income on $10K today (after 15% tax)
$449.12/yr
After 10yr DRIP, annual income (after tax)
$4,337.33/yr
At 15% tax rate, UCBIO beats the other by $43,725.43/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UCBIO: 50%O: 50%
100% O50/50100% UCBIO
Portfolio after 10yr
$101.0K
Annual income
$30,823.58/yr
Blended yield
30.53%
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Analyst Conviction Gap

Where Wall Street is most bullish on O right now

UCBIO
Analyst Ratings
2
Buy
8
Hold
Consensus: Hold
Altman Z
0.4
Piotroski
7/9
O
Analyst Ratings
13
Buy
18
Hold
3
Sell
Consensus: Hold
Price Target
$64.00
+4.7% upside vs current
Range: $60.00 — $69.00
Altman Z
1.0
Piotroski
5/9
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
O buys
0
No recent congressional trades found for UCBIO or O in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUCBIOO
Forward yield7.20%5.28%
Annual dividend / share$1.72$3.23
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR30.1%15.1%
Portfolio after 10y$167.7K$34.2K
Annual income after 10y$56,544.42$5,102.74
Total dividends collected$133.0K$20.7K
Payment frequencyquarterlymonthly
SectorStockREIT
Analyst consensusHoldHold

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

YearUCBIO PortfolioUCBIO Income/yrO PortfolioO Income/yrGap
1← crossover$11,637$937.07$10,818$608.16+$819.00UCBIO
2$13,778$1,325.89$11,787$741.68+$2.0KUCBIO
3$16,651$1,908.67$12,946$911.00+$3.7KUCBIO
4$20,621$2,804.68$14,345$1,127.94+$6.3KUCBIO
5$26,288$4,223.31$16,056$1,409.05+$10.2KUCBIO
6$34,674$6,546.22$18,171$1,777.83+$16.5KUCBIO
7$47,600$10,498.73$20,820$2,268.21+$26.8KUCBIO
8$68,456$17,523.96$24,188$2,929.90+$44.3KUCBIO
9$103,891$30,642.93$28,533$3,837.11+$75.4KUCBIO
10$167,707$56,544.42$34,235$5,102.74+$133.5KUCBIO

UCBIO vs O: 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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OREIT

Realty Income, The Monthly Dividend Company, is an S&P 500 company dedicated to providing stockholders with dependable monthly income. The company is structured as a REIT, and its monthly dividends are supported by the cash flow from over 6,500 real estate properties owned under long-term lease agreements with our commercial clients. To date, the company has declared 608 consecutive common stock monthly dividends throughout its 52-year operating history and increased the dividend 109 times since Realty Income's public listing in 1994 (NYSE: O). The company is a member of the S&P 500 Dividend Aristocrats index. Additional information about the company can be obtained from the corporate website at www.realtyincome.com.

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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.