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UDR vs UNP: Dividend Comparison 2026

UDR yields 5.11% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UNP wins by $20.2K in total portfolio value· pulled ahead in Year 8
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 →
UNP
UNP
● Live price
2.29%
Share price
$239.23
Annual div
$5.48
5Y div CAGR
40.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$69.9K
Annual income
$18,474.89
Full UNP calculator →

Portfolio growth — UDR vs UNP

📍 UNP pulled ahead of the other in Year 8

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 PeriodUDRUNP
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, UDR + UNP cover 0 of 12 monthsgood coverage

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

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
UNP
Annual income on $10K today (after 15% tax)
$194.71/yr
After 10yr DRIP, annual income (after tax)
$15,703.66/yr
At 15% tax rate, UNP beats the other by $10,136.92/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UDR + UNP for your $10,000?

UDR: 50%UNP: 50%
100% UNP50/50100% UDR
Portfolio after 10yr
$59.8K
Annual income
$12,512.00/yr
Blended yield
20.92%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNP 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
UNP
Analyst Ratings
1
Strong
27
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$276.57
+15.6% upside vs current
Range: $245.00 — $311.00
Altman Z
3.9
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)

UDR buys
9
UNP buys
7
PoliticianChamberTickerTypeAmountDate
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-02-19
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-11-13
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$50,001 - $100,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Ro Khanna🏢 House$UDR▼ Sell$15,001 - $50,0002025-10-07
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002025-09-29
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUDRUNP
Forward yield5.11%2.29%
Annual dividend / share$1.72$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.3%40.9%
Portfolio after 10y$49.7K$69.9K
Annual income after 10y$6,549.10$18,474.89
Total dividends collected$25.0K$44.9K
Payment frequencyquarterlyquarterly
SectorREITStock
Analyst consensusBuyBuy
Analyst price target$41.10$276.57

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

YearUDR PortfolioUDR Income/yrUNP PortfolioUNP Income/yrGap
1$11,310$609.61$11,023$322.76+$287.00UDR
2$12,870$768.70$12,263$468.48+$607.00UDR
3$14,746$975.32$13,808$686.31+$938.00UDR
4$17,024$1,245.96$15,792$1,017.59+$1.2KUDR
5$19,820$1,603.81$18,430$1,532.54+$1.4KUDR
6$23,289$2,081.81$22,075$2,355.20+$1.2KUDR
7$27,647$2,727.39$27,335$3,714.82+$312.00UDR
8← crossover$33,192$3,609.90$35,306$6,057.38$2.1KUNP
9$40,348$4,832.15$48,080$10,302.43$7.7KUNP
10$49,721$6,549.10$69,920$18,474.89$20.2KUNP

UDR vs UNP: 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 →

UNPStock

Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. The company offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to grain processors, animal feeders, ethanol producers, and other agricultural users; petroleum, and liquid petroleum gases; and construction products, industrial chemicals, plastics, forest products, specialized products, metals and ores, soda ash, and sand, as well as finished automobiles, automotive parts, and merchandise in intermodal containers. As of December 31, 2021, its rail network included 32,452 route miles connecting Pacific Coast and Gulf Coast ports with the Midwest and Eastern United States gateways. The company was founded in 1862 and is headquartered in Omaha, Nebraska.

Full UNP 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.