HomeCompareUMPQ vs PEP

UMPQ vs PEP: Dividend Comparison 2026

UMPQ yields 4.76% · PEP yields 3.63%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PEP wins by $70.5K in total portfolio value· pulled ahead in Year 7
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 →
PEP
PepsiCo Inc.
● Live price
3.63%
Share price
$156.82
Annual div
$5.69
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$141.9K
Annual income
$61,875.67
Full PEP calculator →

Portfolio growth — UMPQ 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 PeriodUMPQPEP
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, UMPQ + PEP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
UMPQ pays
PEP 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
PEP
Annual income on $10K today (after 15% tax)
$308.41/yr
After 10yr DRIP, annual income (after tax)
$52,594.32/yr
At 15% tax rate, PEP beats the other by $39,676.46/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UMPQ: 50%PEP: 50%
100% PEP50/50100% UMPQ
Portfolio after 10yr
$106.7K
Annual income
$38,536.58/yr
Blended yield
36.12%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PEP 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
PEP
Analyst Ratings
1
Strong
15
Buy
27
Hold
1
Sell
Consensus: Hold
Price Target
$172.43
+10.0% 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)

UMPQ buys
1
PEP buys
0
PoliticianChamberTickerTypeAmountDate
Donna Shalala🏢 House$UMPQ▼ Sell$1,001 - $15,0002019-06-24
Donna Shalala🏢 House$UMPQ▼ Sell$1,001 - $15,0002019-06-19
Donna Shalala🏢 House$UMPQ▼ Sell$1,001 - $15,0002019-06-04
Donna Shalala🏢 House$UMPQ▲ Buy$1,001 - $15,0002019-01-09
Peter Welch🏢 House$UMPQ▼ Sell$1,001 - $15,0002018-05-21
Peter Welch🏢 House$UMPQ▼ Sell$1,001 - $15,0002018-04-19
Susan M. Collins🏛 Senate$UMPQ▼ Sell$1,001 - $15,0002014-05-07
Susan M. Collins🏛 Senate$UMPQ▼ Sell$1,001 - $15,0002014-05-07
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUMPQPEP
Forward yield4.76%3.63%
Annual dividend / share$0.84$5.69
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR27.3%40.4%
Portfolio after 10y$71.4K$141.9K
Annual income after 10y$15,197.48$61,875.67
Total dividends collected$44.9K$123.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldHold
Analyst price target$20.00$172.43

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

YearUMPQ PortfolioUMPQ Income/yrPEP PortfolioPEP Income/yrGap
1$11,306$605.50$10,849$509.42+$457.00UMPQ
2$12,911$814.43$11,969$750.47+$942.00UMPQ
3$14,922$1,106.56$13,500$1,124.14+$1.4KUMPQ
4$17,488$1,521.49$15,680$1,721.66+$1.8KUMPQ
5$20,833$2,121.42$18,929$2,715.34+$1.9KUMPQ
6$25,298$3,006.75$24,023$4,450.80+$1.3KUMPQ
7← crossover$31,413$4,343.86$32,510$7,669.92$1.1KPEP
8$40,029$6,417.11$47,709$14,093.60$7.7KPEP
9$52,560$9,728.58$77,415$28,083.48$24.9KPEP
10$71,436$15,197.48$141,922$61,875.67$70.5KPEP

UMPQ vs PEP: 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 →

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.

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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.