HomeCompareUFCP vs SPHD

UFCP vs SPHD: Dividend Comparison 2026

UFCP yields 79.68% · SPHD yields 4.33%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UFCP wins by $10.2K 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 →
SPHD
SPHD
● Live price
4.33%
Share price
$49.34
Annual div
$2.14
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.5K
Annual income
$571.32
Full SPHD calculator →

Portfolio growth — UFCP vs SPHD

📍 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 PeriodUFCPSPHD
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 + SPHD cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UFCP pays
SPHD 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
SPHD
Annual income on $10K today (after 15% tax)
$367.92/yr
After 10yr DRIP, annual income (after tax)
$485.62/yr
At 15% tax rate, SPHD beats the other by $473.27/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UFCP: 50%SPHD: 50%
100% SPHD50/50100% UFCP
Portfolio after 10yr
$31.6K
Annual income
$292.93/yr
Blended yield
0.93%
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UFCP buys
0
SPHD buys
0
No recent congressional trades found for UFCP or SPHD in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUFCPSPHD
Forward yield79.68%4.33%
Annual dividend / share$2.00$2.14
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%0%
Portfolio after 10y$36.8K$26.5K
Annual income after 10y$14.53$571.32
Total dividends collected$10.1K$5.1K
Payment frequencyquarterlyquarterly
SectorStockETF

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

YearUFCP PortfolioUFCP Income/yrSPHD PortfolioSPHD Income/yrGap
1← crossover$14,684$3,984.06$11,133$432.85+$3.6KUFCP
2$18,446$2,733.75$12,363$450.36+$6.1KUFCP
3$21,342$1,604.70$13,695$467.39+$7.6KUFCP
4$23,703$867.58$15,138$483.90+$8.6KUFCP
5$25,813$450.27$16,697$499.88+$9.1KUFCP
6$27,849$229.13$18,382$515.31+$9.5KUFCP
7$29,914$115.52$20,198$530.17+$9.7KUFCP
8$32,065$57.98$22,157$544.46+$9.9KUFCP
9$34,339$29.04$24,266$558.18+$10.1KUFCP
10$36,757$14.53$26,536$571.32+$10.2KUFCP

UFCP vs SPHD: 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 →

SPHDETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.