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UFCP vs PEP: Dividend Comparison 2026

UFCP yields 79.68% · PEP yields 3.66%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PEP wins by $107.9K in total portfolio value· pulled ahead in Year 7
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 →
PEP
PepsiCo Inc.
● Live price
3.66%
Share price
$155.29
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$144.7K
Annual income
$63,430.49
Full PEP calculator →

Portfolio growth — UFCP vs PEP

📍 PEP pulled ahead of the other in Year 7

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 PeriodUFCPPEP
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, UFCP + PEP cover 0 of 12 monthsgood coverage

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

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
PEP
Annual income on $10K today (after 15% tax)
$311.45/yr
After 10yr DRIP, annual income (after tax)
$53,915.92/yr
At 15% tax rate, PEP beats the other by $53,903.57/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UFCP: 50%PEP: 50%
100% PEP50/50100% UFCP
Portfolio after 10yr
$90.7K
Annual income
$31,722.52/yr
Blended yield
34.97%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP right now

UFCP
No analyst data
Altman Z
0.2
Piotroski
4/9
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+11.0% upside vs current
Range: $156.00 — $191.00
Altman Z
3.6
Piotroski
7/9
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)

UFCP buys
0
PEP buys
0
No recent congressional trades found for UFCP or PEP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUFCPPEP
Forward yield79.68%3.66%
Annual dividend / share$2.00$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%40.4%
Portfolio after 10y$36.8K$144.7K
Annual income after 10y$14.53$63,430.49
Total dividends collected$10.1K$125.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearUFCP PortfolioUFCP Income/yrPEP PortfolioPEP Income/yrGap
1$14,684$3,984.06$10,854$514.44+$3.8KUFCP
2$18,446$2,733.75$11,982$758.21+$6.5KUFCP
3$21,342$1,604.70$13,526$1,136.44+$7.8KUFCP
4$23,703$867.58$15,727$1,741.93+$8.0KUFCP
5$25,813$450.27$19,012$2,750.28+$6.8KUFCP
6$27,849$229.13$24,173$4,514.44+$3.7KUFCP
7← crossover$29,914$115.52$32,789$7,793.80$2.9KPEP
8$32,065$57.98$48,258$14,354.51$16.2KPEP
9$34,339$29.04$78,586$28,686.63$44.2KPEP
10$36,757$14.53$144,688$63,430.49$107.9KPEP

UFCP vs PEP: Complete Analysis 2026

UFCPStock

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 →

PEPConsumer Staples

PepsiCo, Inc. manufactures, markets, distributes, and sells various beverages and convenient foods worldwide. The company operates through seven segments: Frito-Lay North America; Quaker Foods North America; PepsiCo Beverages North America; Latin America; Europe; Africa, Middle East and South Asia; and Asia Pacific, Australia and New Zealand and China Region. It provides dips, cheese-flavored snacks, and spreads, as well as corn, potato, and tortilla chips; cereals, rice, pasta, mixes and syrups, granola bars, grits, oatmeal, rice cakes, simply granola, and side dishes; beverage concentrates, fountain syrups, and finished goods; ready-to-drink tea, coffee, and juices; dairy products; and sparkling water makers and related products. It serves wholesale and other distributors, foodservice customers, grocery stores, drug stores, convenience stores, discount/dollar stores, mass merchandisers, membership stores, hard discounters, e-commerce retailers and authorized independent bottlers, and others through a network of direct-store-delivery, customer warehouse, and distributor networks, as well as directly to consumers through e-commerce platforms and retailers. The company was founded in 1898 and is headquartered in Purchase, New York.

Full PEP 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.