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UDR vs USM: Dividend Comparison 2026

UDR yields 5.11% · USM yields 2.60%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UDR wins by $26.2K 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 →
USM
USM
● Live price
2.60%
Share price
$77.01
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.6K
Annual income
$307.09
Full USM calculator →

Portfolio growth — UDR vs USM

📍 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 PeriodUDRUSM
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 + USM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UDR pays
USM 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
USM
Annual income on $10K today (after 15% tax)
$220.75/yr
After 10yr DRIP, annual income (after tax)
$261.03/yr
At 15% tax rate, UDR beats the other by $5,305.71/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 + USM for your $10,000?

UDR: 50%USM: 50%
100% USM50/50100% UDR
Portfolio after 10yr
$36.6K
Annual income
$3,428.09/yr
Blended yield
9.36%
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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
USM
Analyst Ratings
4
Buy
5
Hold
1
Sell
Consensus: Hold
Price Target
$80.50
+4.5% upside vs current
Range: $75.00 — $86.00
Altman Z
2.1
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
USM buys
0
PoliticianChamberTickerTypeAmountDate
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 - $15,0002025-09-25
Ro Khanna🏢 House$UDR▼ Sell$1,001 - $15,0002025-08-26
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002025-07-25
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002023-11-03
Ro Khanna🏢 House$UDR▼ Sell$1,001 - $15,0002023-10-31
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002023-10-10
Ro Khanna🏢 House$UDR▼ Sell$1,001 - $15,0002023-09-06
Ro Khanna🏢 House$UDR▲ Buy$1,001 - $15,0002023-08-03
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUDRUSM
Forward yield5.11%2.60%
Annual dividend / share$1.72$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.3%0%
Portfolio after 10y$49.7K$23.6K
Annual income after 10y$6,549.10$307.09
Total dividends collected$25.0K$2.8K
Payment frequencyquarterlyquarterly
SectorREITStock
Analyst consensusBuyHold
Analyst price target$41.10$80.50

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

YearUDR PortfolioUDR Income/yrUSM PortfolioUSM Income/yrGap
1← crossover$11,310$609.61$10,960$259.71+$350.00UDR
2$12,870$768.70$11,993$266.01+$877.00UDR
3$14,746$975.32$13,104$272.04+$1.6KUDR
4$17,024$1,245.96$14,300$277.81+$2.7KUDR
5$19,820$1,603.81$15,584$283.32+$4.2KUDR
6$23,289$2,081.81$16,963$288.56+$6.3KUDR
7$27,647$2,727.39$18,444$293.56+$9.2KUDR
8$33,192$3,609.90$20,034$298.30+$13.2KUDR
9$40,348$4,832.15$21,739$302.81+$18.6KUDR
10$49,721$6,549.10$23,568$307.09+$26.2KUDR

UDR vs USM: 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 →

USMStock

United States Cellular Corporation provides wireless telecommunications services in the United States. The company offers wireless services, including voice, messaging, and data services. It also provides devices, such as smartphones and other handsets, tablets, wearables, mobile hotspots, routers, and internet of things devices. In addition, the company offers various accessories, such as cases, screen protectors, chargers, and memory cards; and consumer electronics, including audio, home automation, and networking products; as well as offers option to purchase devices and accessories under installment contracts. Further, the company offers roaming, wireless eligible telecommunications carrier, and wireless tower rental services. It serves consumer, business, and government customers with 5.0 million connections, including 4.4 million postpaid, 0.5 million prepaid, and 0.1 million reseller and other connections in 21 states. The company provides its products and services through retail sales, direct sales, third-party national retailers, and independent agents, as well as e-commerce and telesales. The company was incorporated in 1983 and is headquartered in Chicago, Illinois. United States Cellular Corporation is a subsidiary of Telephone and Data Systems, Inc.

Full USM 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.