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UMPQ vs ADC: Dividend Comparison 2026

UMPQ yields 4.76% · ADC yields 4.13%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $107.5K in total portfolio value· pulled ahead in Year 6
10 years
UMPQ
UMPQ
● Live price
4.76%
Share price
$17.66
Annual div
$0.84
5Y div CAGR
27.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$71.4K
Annual income
$15,197.48
Full UMPQ calculator →
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →

Portfolio growth — UMPQ vs ADC

📍 ADC pulled ahead of the other in Year 6

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 PeriodUMPQADC
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, UMPQ + ADC cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UMPQ
Annual income on $10K today (after 15% tax)
$404.30/yr
After 10yr DRIP, annual income (after tax)
$12,917.86/yr
ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
At 15% tax rate, ADC beats the other by $55,759.84/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UMPQ + ADC for your $10,000?

UMPQ: 50%ADC: 50%
100% ADC50/50100% UMPQ
Portfolio after 10yr
$125.2K
Annual income
$47,997.39/yr
Blended yield
38.34%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

UMPQ
Analyst Ratings
8
Buy
10
Hold
Consensus: Hold
Price Target
$20.00
+13.3% upside vs current
Range: $18.00 — $22.00
Altman Z
0.2
Piotroski
5/9
ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% upside vs current
Range: $75.00 — $84.50
Altman Z
1.6
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)

UMPQ buys
0
ADC buys
0
No recent congressional trades found for UMPQ or ADC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUMPQADC
Forward yield4.76%4.13%
Annual dividend / share$0.84$3.10
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR27.3%40.4%
Portfolio after 10y$71.4K$178.9K
Annual income after 10y$15,197.48$80,797.29
Total dividends collected$44.9K$156.7K
Payment frequencyquarterlymonthly
SectorStockREIT
Analyst consensusHoldBuy
Analyst price target$20.00$81.06

Year-by-year: UMPQ vs ADC ($10,000, DRIP)

YearUMPQ PortfolioUMPQ Income/yrADC PortfolioADC Income/yrGap
1$11,306$605.50$10,990$580.36+$316.00UMPQ
2$12,911$814.43$12,301$860.26+$610.00UMPQ
3$14,922$1,106.56$14,104$1,298.62+$818.00UMPQ
4$17,488$1,521.49$16,691$2,008.16+$797.00UMPQ
5$20,833$2,121.42$20,580$3,205.09+$253.00UMPQ
6← crossover$25,298$3,006.75$26,754$5,330.02$1.5KADC
7$31,413$4,343.86$37,196$9,345.14$5.8KADC
8$40,029$6,417.11$56,244$17,523.09$16.2KADC
9$52,560$9,728.58$94,286$35,736.21$41.7KADC
10$71,436$15,197.48$178,949$80,797.29$107.5KADC

UMPQ vs ADC: Complete Analysis 2026

UMPQStock

Umpqua Holdings Corporation operates as the holding company of Umpqua Bank that provides commercial and retail banking services. It operates in two segments: Core Banking and Mortgage Banking. The company offers deposit products, including non-interest bearing checking, interest bearing checking and savings, and money market accounts, as well as certificates of deposit. It also provides loans for corporate and commercial customers, such as accounts receivable and inventory financing, multi-family and equipment loans, commercial equipment leases, international trade finance, real estate construction loans, permanent financing, and small business administration program financing, as well as capital markets and treasury management products. In addition, the company offers loan products, such as commercial and industrial loans; residential real estate loans for the construction, purchase, and refinancing of residential owner-occupied and rental properties; and consumer loans comprising secured and unsecured personal loans, home equity and personal lines of credit, and motor vehicle loans. Further, it provides financial planning solutions; and online and mobile banking services. The company serves high net worth individuals and families, select non-profits, and professional services firms. As of December 31, 2021, it conducted commercial and retail banking activities at 234 locations, including 202 store locations in Oregon, Washington, California, Idaho, and Nevada; and operated 28 facilities for the purpose of administrative and other functions, such as back-office support, of which two are owned and 26 are leased. The company was founded in 1953 and is headquartered in Portland, Oregon.

Full UMPQ Calculator →

ADCREIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC 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.