Is UDR or ZION a better dividend investment in 2026?

UDR currently yields 5.11% with a 5% 5-year dividend growth rate. ZION yields 3.20% with 5% growth. The better choice depends on your goal: UDR offers higher current income.

What is the dividend yield difference between UDR and ZION?

UDR has a forward dividend yield of 5.11% ($1.72/share annually). ZION yields 3.20% ($1.78/share annually). The yield gap is 1.91 percentage points.

Home › Compare › UDR vs ZION

UDR vs ZION: Dividend Comparison 2026

UDR yields 5.11% · ZION yields 3.20%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 UDR wins by $18.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

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 →

ZION

● Live price

3.20%

Share price

$55.59

Annual div

$1.78

5Y div CAGR

14.7%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$31.4K

Annual income

$1,892.05

Full ZION calculator →

Portfolio growth — UDR vs ZION

📍 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 Period	UDR	ZION
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 + ZION cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UDR pays

ZION 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

ZION

Annual income on $10K today (after 15% tax)

$272.17/yr

After 10yr DRIP, annual income (after tax)

$1,608.24/yr

At 15% tax rate, UDR beats the other by $3,958.49/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 + ZION for your $10,000?

UDR: 50%ZION: 50%

100% ZION50/50100% UDR

Portfolio after 10yr

$40.6K

Annual income

$4,220.57/yr

Blended yield

10.41%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on ZION right now

UDR

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$41.10

+22.1% upside vs current

Range: $38.00 — $44.00

Altman Z

0.7

Piotroski

8/9

ZION

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Price Target

$67.00

+20.5% upside vs current

Range: $60.00 — $75.00

Altman Z

-0.6

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UDR buys

ZION buys

Politician	Chamber	Ticker	Type	Amount	Date
Ro Khanna	🏢 House	$UDR	▼ Sell	$15,001 - $50,000	2025-10-07
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2025-09-29
Julie Johnson	🏢 House	$UDR	▼ Sell	$1,001 - $15,000	2025-09-25
Ro Khanna	🏢 House	$UDR	▼ Sell	$1,001 - $15,000	2025-08-26
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2025-07-25
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2023-11-03
Ro Khanna	🏢 House	$UDR	▼ Sell	$1,001 - $15,000	2023-10-31
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2023-10-10
Ro Khanna	🏢 House	$UDR	▼ Sell	$1,001 - $15,000	2023-09-06
Ro Khanna	🏢 House	$UDR	▲ Buy	$1,001 - $15,000	2023-08-03

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricUDRZION

Forward yield	5.11% ✓	3.20%
Annual dividend / share	$1.72	$1.78 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	19.3% ✓	14.7%
Portfolio after 10y	$49.7K ✓	$31.4K
Annual income after 10y	$6,549.10 ✓	$1,892.05
Total dividends collected	$25.0K ✓	$9.4K
Payment frequency	quarterly	quarterly
Sector	REIT	Stock
Analyst consensus	Buy	Hold
Analyst price target	$41.10	$67.00 ✓

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

Year	UDR Portfolio	UDR Income/yr	ZION Portfolio	ZION Income/yr	Gap
1← crossover	$11,310	$609.61	$11,067	$367.27	+$243.00 → UDR
2	$12,870	$768.70	$12,278	$435.72	+$592.00 → UDR
3	$14,746	$975.32	$13,655	$518.16	+$1.1K → UDR
4	$17,024	$1,245.96	$15,229	$617.77	+$1.8K → UDR
5	$19,820	$1,603.81	$17,034	$738.54	+$2.8K → UDR
6	$23,289	$2,081.81	$19,111	$885.50	+$4.2K → UDR
7	$27,647	$2,727.39	$21,514	$1,065.02	+$6.1K → UDR
8	$33,192	$3,609.90	$24,305	$1,285.19	+$8.9K → UDR
9	$40,348	$4,832.15	$27,563	$1,556.42	+$12.8K → UDR
10	$49,721	$6,549.10	$31,385	$1,892.05	+$18.3K → UDR

UDR vs ZION: Complete Analysis 2026

UDR — REIT

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 →

ZION — Stock

Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.

Full ZION 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.