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UFCP vs ORCC: Dividend Comparison 2026

UFCP yields 79.68% · ORCC yields 4.00%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 UFCP wins by $8.7K in total portfolio value
10 years
UFCP
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 →
ORCC
ORCC
● Live price
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full ORCC calculator →

Portfolio growth — UFCP vs ORCC

📍 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 PeriodUFCPORCC
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 + ORCC cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
UFCP pays
ORCC 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
ORCC
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$764.31/yr
At 15% tax rate, ORCC beats the other by $751.96/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UFCP + ORCC for your $10,000?

UFCP: 50%ORCC: 50%
100% ORCC50/50100% UFCP
Portfolio after 10yr
$32.4K
Annual income
$456.87/yr
Blended yield
1.41%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ORCC right now

UFCP
No analyst data
Altman Z
0.2
Piotroski
4/9
ORCC
Analyst Ratings
9
Buy
4
Hold
1
Sell
Consensus: Buy
Price Target
$16.00
-68.0% upside vs current
Range: $16.00 — $16.00
Altman Z
0.5
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
0
ORCC buys
0
No recent congressional trades found for UFCP or ORCC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUFCPORCC
Forward yield79.68% ✓4.00%
Annual dividend / share$2.00$2.00
Payout ratio50%50%
1-year div growth0%5% ✓
5-year div CAGR-50%5% ✓
Portfolio after 10y$36.8K ✓$28.0K
Annual income after 10y$14.53$899.19 ✓
Total dividends collected$10.1K ✓$6.4K
Payment frequencyquarterlyquarterly
SectorStockBDC

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

YearUFCP PortfolioUFCP Income/yrORCC PortfolioORCC Income/yrGap
1← crossover$14,684$3,984.06$11,120$420.00+$3.6K → UFCP
2$18,446$2,733.75$12,357$458.31+$6.1K → UFCP
3$21,342$1,604.70$13,721$499.76+$7.6K → UFCP
4$23,703$867.58$15,227$544.58+$8.5K → UFCP
5$25,813$450.27$16,885$593.02+$8.9K → UFCP
6$27,849$229.13$18,713$645.34+$9.1K → UFCP
7$29,914$115.52$20,724$701.81+$9.2K → UFCP
8$32,065$57.98$22,938$762.73+$9.1K → UFCP
9$34,339$29.04$25,372$828.41+$9.0K → UFCP
10$36,757$14.53$28,047$899.19+$8.7K → UFCP

UFCP vs ORCC: 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 →

ORCC — BDC

ORCC is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in ORCC shares.

Full ORCC 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.