Is UFCP or O a better dividend investment in 2026?

UFCP currently yields 79.68% with a 5% 5-year dividend growth rate. O yields 5.28% with 3.2% growth. The better choice depends on your goal: UFCP offers higher current income.

What is the dividend yield difference between UFCP and O?

UFCP has a forward dividend yield of 79.68% ($2.00/share annually). O yields 5.28% ($3.23/share annually). The yield gap is 74.40 percentage points.

Home › Compare › UFCP vs O

UFCP vs O: Dividend Comparison 2026

UFCP yields 79.68% · O yields 5.28%● Live data

vsPost on X →

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

🏆 UFCP wins by $2.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

UFCP

● Live price

79.68%

Share price

$2.51

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$36.8K

Annual income

$14.53

Full UFCP calculator →

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 — UFCP vs O

📍 UFCP 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	UFCP	O
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, UFCP + O cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UFCP pays

O pays

Both pay

Neither

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Tax Bracket Optimizer

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

UFCP

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

$6,772.91/yr

After 10yr DRIP, annual income (after tax)

$12.35/yr

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, O beats the other by $4,324.98/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 UFCP + O for your $10,000?

UFCP: 50%O: 50%

100% O50/50100% UFCP

Portfolio after 10yr

$35.5K

Annual income

$2,558.64/yr

Blended yield

7.21%

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Analyst Conviction Gap

Where Wall Street is most bullish on O right now

UFCP

No analyst data

Altman Z

0.2

Piotroski

4/9

Analyst Ratings

Buy

Hold

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UFCP buys

O buys

No recent congressional trades found for UFCP or O in the last 90 days.

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

MetricUFCPO

Forward yield	79.68% ✓	5.28%
Annual dividend / share	$2.00	$3.23 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	15.1% ✓
Portfolio after 10y	$36.8K ✓	$34.2K
Annual income after 10y	$14.53	$5,102.74 ✓
Total dividends collected	$10.1K	$20.7K ✓
Payment frequency	quarterly	monthly
Sector	Stock	REIT

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

Year	UFCP Portfolio	UFCP Income/yr	O Portfolio	O Income/yr	Gap
1← crossover	$14,684	$3,984.06	$10,818	$608.16	+$3.9K → UFCP
2	$18,446	$2,733.75	$11,787	$741.68	+$6.7K → UFCP
3	$21,342	$1,604.70	$12,946	$911.00	+$8.4K → UFCP
4	$23,703	$867.58	$14,345	$1,127.94	+$9.4K → UFCP
5	$25,813	$450.27	$16,056	$1,409.05	+$9.8K → UFCP
6	$27,849	$229.13	$18,171	$1,777.83	+$9.7K → UFCP
7	$29,914	$115.52	$20,820	$2,268.21	+$9.1K → UFCP
8	$32,065	$57.98	$24,188	$2,929.90	+$7.9K → UFCP
9	$34,339	$29.04	$28,533	$3,837.11	+$5.8K → UFCP
10	$36,757	$14.53	$34,235	$5,102.74	+$2.5K → UFCP

UFCP vs O: Complete Analysis 2026

UFCP — Stock

Union Financial Corporation operates as a bank holding company for Union Bank that provides banking products and services in Michigan. It offers checking, savings, money market, and health savings accounts; credit cards, certificate of deposits; and overdraft protection services. The company also provides home equity lines of credit; closed end home equity loans; construction, business, agricultural, auto, and personal loans; and mortgage services. In addition, the company offers personal investment services, which include investments, educational savings plans, traditional and Roth IRAs, fixed and variable annuities, and mutual funds; business planning services; and life and long-term care insurance services. The company was founded in 1934 and is based in Lake Odessa, Michigan.

Full UFCP Calculator →

O — REIT

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.

Full O 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.