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UDR vs SO: Dividend Comparison 2026

UDR yields 5.11% · SO yields 3.05%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UDR wins by $27.0K in total portfolio value
10 years
UDR
UDR
● Live price
5.11%
Share price
$33.66
Annual div
$1.72
5Y div CAGR
19.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.7K
Annual income
$6,549.10
Full UDR calculator →
SO
The Southern Company
● Live price
3.05%
Share price
$96.94
Annual div
$2.96
5Y div CAGR
7.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.7K
Annual income
$874.49
Full SO calculator →

Portfolio growth — UDR vs SO

📍 UDR 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 PeriodUDRSO
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, UDR + SO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UDR pays
SO pays
Both pay
Neither
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Tax Bracket Optimizer

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

UDR
Annual income on $10K today (after 15% tax)
$434.34/yr
After 10yr DRIP, annual income (after tax)
$5,566.74/yr
SO
Annual income on $10K today (after 15% tax)
$259.56/yr
After 10yr DRIP, annual income (after tax)
$743.32/yr
At 15% tax rate, UDR beats the other by $4,823.42/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 UDR + SO for your $10,000?

UDR: 50%SO: 50%
100% SO50/50100% UDR
Portfolio after 10yr
$36.2K
Annual income
$3,711.79/yr
Blended yield
10.25%
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Analyst Conviction Gap

Where Wall Street is most bullish on UDR right now

UDR
Analyst Ratings
18
Buy
17
Hold
3
Sell
Consensus: Buy
Price Target
$41.10
+22.1% upside vs current
Range: $38.00 — $44.00
Altman Z
0.7
Piotroski
8/9
SO
Analyst Ratings
11
Buy
21
Hold
1
Sell
Consensus: Hold
Price Target
$98.25
+1.4% upside vs current
Range: $76.00 — $112.00
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UDR buys
9
SO buys
13
PoliticianChamberTickerTypeAmountDate
Jared Moskowitz🏢 House$SO▲ Buy$1,001 - $15,0002025-12-02
Ro Khanna🏢 House$UDR▼ Sell$15,001 - $50,0002025-10-07
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002025-09-29
Julie Johnson🏢 House$UDR▼ Sell$1,001 - $15,0002025-09-25
Marjorie Taylor Greene🏢 House$SO▲ Buy$1,001 - $15,0002025-08-28
Ro Khanna🏢 House$UDR▼ Sell$1,001 - $15,0002025-08-26
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002025-07-25
Jared Moskowitz🏢 House$SO▲ Buy$1,001 - $15,0002025-04-07
Marjorie Taylor Greene🏢 House$SO▲ Buy$1,001 - $15,0002025-04-03
Marjorie Taylor Greene🏢 House$SO▲ Buy$1,001 - $15,0002024-11-07
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUDRSO
Forward yield5.11%3.05%
Annual dividend / share$1.72$2.96
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.3%7.7%
Portfolio after 10y$49.7K$22.7K
Annual income after 10y$6,549.10$874.49
Total dividends collected$25.0K$5.6K
Payment frequencyquarterlyquarterly
SectorREITUtilities
Analyst consensusBuyHold
Analyst price target$41.10$98.25

Year-by-year: UDR vs SO ($10,000, DRIP)

YearUDR PortfolioUDR Income/yrSO PortfolioSO Income/yrGap
1← crossover$11,310$609.61$10,809$328.87+$501.00UDR
2$12,870$768.70$11,693$365.31+$1.2KUDR
3$14,746$975.32$12,660$406.13+$2.1KUDR
4$17,024$1,245.96$13,720$451.89+$3.3KUDR
5$19,820$1,603.81$14,882$503.27+$4.9KUDR
6$23,289$2,081.81$16,157$560.99+$7.1KUDR
7$27,647$2,727.39$17,559$625.92+$10.1KUDR
8$33,192$3,609.90$19,100$699.03+$14.1KUDR
9$40,348$4,832.15$20,799$781.46+$19.5KUDR
10$49,721$6,549.10$22,672$874.49+$27.0KUDR

UDR vs SO: Complete Analysis 2026

UDRREIT

UDR, Inc. (NYSE: UDR), an S&P 500 company, is a leading multifamily real estate investment trust with a demonstrated performance history of delivering superior and dependable returns by successfully managing, buying, selling, developing and redeveloping attractive real estate communities in targeted U.S. markets. As of September 30, 2020, UDR owned or had an ownership position in 51,649 apartment homes including 1,031 homes under development. For over 48 years, UDR has delivered long-term value to shareholders, the best standard of service to Residents and the highest quality experience for Associates.

Full UDR Calculator →

SOUtilities

The Southern Company, through its subsidiaries, engages in the generation, transmission, and distribution of electricity. It operates through Gas Distribution Operations, Gas Pipeline Investments, Wholesale Gas Services, and Gas Marketing Services segments. The company also develops, constructs, acquires, owns, and manages power generation assets, including renewable energy projects and sells electricity in the wholesale market; and distributes natural gas in Illinois, Georgia, Virginia, and Tennessee, as well as provides gas marketing services, wholesale gas services, and gas pipeline investments operations. In addition, it owns and/or operates 30 hydroelectric generating stations, 24 fossil fuel generating stations, three nuclear generating stations, 13 combined cycle/cogeneration stations, 45 solar facilities, 15 wind facilities, one fuel cell facility, and four battery storage facility; and constructs, operates, and maintains 76,289 miles of natural gas pipelines and 14 storage facilities with total capacity of 157 Bcf to provide natural gas to residential, commercial, and industrial customers. The company serves approximately 8.7 million electric and gas utility customers. Further, the company offers digital wireless communications and fiber optics services. The Southern Company was incorporated in 1945 and is headquartered in Atlanta, Georgia.

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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.