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UMBFO vs MO: Dividend Comparison 2026

UMBFO yields 4.00% · MO yields 9.11% · See full DRIP projection below

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After 10 years · $10,000 invested · DRIP enabled
🏆 UMBFO wins by $371.00 in total portfolio value
10 years
UMBFO
UMBFO
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 UMBFO calculator →
MO
Altria Group Inc.
9.11%
Share price
$44.80
Annual div
$4.08
5Y div CAGR
4.3%
Payout ratio
78%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$4,052.72
Full MO calculator →

Portfolio growth — UMBFO vs MO

Annual dividend income

MetricUMBFOMO
Forward yield4.00%9.11%
Annual dividend / share$2.00$4.08
Payout ratio50%78%
1-year div growth5%4.1%
5-year div CAGR5%4.3%
Portfolio after 10y$28.0K$27.7K
Annual income after 10y$899.19$4,052.72
Total dividends collected$6.4K$20.9K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: UMBFO vs MO ($10,000, DRIP)

YearUMBFO PortfolioUMBFO Income/yrMO PortfolioMO Income/yrGap
1$11,120$420.00$10,740$949.88+$380.00UMBFO
2$12,357$458.31$11,601$1,086.84+$756.00UMBFO
3$13,721$499.76$12,608$1,250.75+$1.1KUMBFO
4$15,227$544.58$13,792$1,448.20+$1.4KUMBFO
5$16,885$593.02$15,190$1,687.69+$1.7KUMBFO
6$18,713$645.34$16,851$1,980.28+$1.9KUMBFO
7$20,724$701.81$18,838$2,340.48+$1.9KUMBFO
8$22,938$762.73$21,230$2,787.44+$1.7KUMBFO
9$25,372$828.41$24,130$3,346.72+$1.2KUMBFO
10$28,047$899.19$27,676$4,052.72+$371.00UMBFO

UMBFO vs MO: Complete Analysis 2026

UMBFOStock

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

Full UMBFO Calculator →

MOConsumer Staples

Altria is a Dividend King with 54+ consecutive years of dividend increases — one of the longest streaks in American corporate history. While cigarette volumes decline, pricing power and new product categories (oral nicotine pouches via NJOY) support cash flows. The near-9% yield is among the highest in the S&P 500.

Full MO Calculator →

Frequently Asked Questions

Is UMBFO or MO better for dividend income in 2026?
UMBFO currently offers a 4.00% yield (2.00/share/year) while MO offers 9.11% (4.08/share/year). MO provides higher current income. However, UMBFO has grown its dividend faster (5% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in UMBFO vs MO earn per year?
With $10,000 invested today: UMBFO pays approximately $400/year. MO pays approximately $911/year. With DRIP reinvestment over 10 years, these grow to $899/year (UMBFO) and $4,053/year (MO).
Does UMBFO or MO pay monthly dividends?
UMBFO pays quarterly dividends. MO pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.