Is UNBK or QYLD a better dividend investment in 2026?

UNBK currently yields 5.33% with a 5% 5-year dividend growth rate. QYLD yields 11.92% with -2.1% growth. The better choice depends on your goal: QYLD offers higher current income.

What is the dividend yield difference between UNBK and QYLD?

UNBK has a forward dividend yield of 5.33% ($3.00/share annually). QYLD yields 11.92% ($2.04/share annually). The yield gap is 6.59 percentage points.

Home › Compare › UNBK vs QYLD

UNBK vs QYLD: Dividend Comparison 2026

UNBK yields 5.33% · QYLD yields 11.92%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 UNBK wins by $8883.18M in total portfolio value

INVESTMENT

TIME HORIZON10 years

UNBK

● Live price

5.33%

Share price

$56.25

Annual div

$3.00

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$8883.21M

Annual income

$8,574,363,139.05

Full UNBK calculator →

QYLD

Global X Nasdaq 100 Covered Call ETF

● Live price

11.92%

Share price

$17.15

Annual div

$2.04

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.4K

Annual income

$5,659.31

Full QYLD calculator →

Portfolio growth — UNBK vs QYLD

📍 UNBK pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	UNBK	QYLD
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, UNBK + QYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UNBK pays

QYLD pays

Both pay

Neither

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Tax Bracket Optimizer

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

UNBK

Annual income on $10K today (after 15% tax)

$453.33/yr

After 10yr DRIP, annual income (after tax)

$7,288,208,668.19/yr

QYLD

Annual income on $10K today (after 15% tax)

$1,013.51/yr

After 10yr DRIP, annual income (after tax)

$4,810.41/yr

At 15% tax rate, UNBK beats the other by $7,288,203,857.78/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of UNBK + QYLD for your $10,000?

UNBK: 50%QYLD: 50%

100% QYLD50/50100% UNBK

Portfolio after 10yr

$4441.62M

Annual income

$4,287,184,399.19/yr

Blended yield

96.52%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UNBK buys

QYLD buys

No recent congressional trades found for UNBK or QYLD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricUNBKQYLD

Forward yield	5.33%	11.92% ✓
Annual dividend / share	$3.00 ✓	$2.04
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$8883.21M ✓	$25.4K
Annual income after 10y	$8,574,363,139.05 ✓	$5,659.31
Total dividends collected	$8861.64M ✓	$27.1K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: UNBK vs QYLD ($10,000, DRIP)

Year	UNBK Portfolio	UNBK Income/yr	QYLD Portfolio	QYLD Income/yr	Gap
1← crossover	$11,767	$1,066.67	$10,352	$1,192.36	+$1.4K → UNBK
2	$14,936	$2,346.00	$10,830	$1,347.57	+$4.1K → UNBK
3	$21,548	$5,566.28	$11,460	$1,539.07	+$10.1K → UNBK
4	$38,066	$15,009.89	$12,275	$1,777.84	+$25.8K → UNBK
5	$90,294	$49,562.78	$13,323	$2,078.95	+$77.0K → UNBK
6	$316,359	$219,744.51	$14,667	$2,463.34	+$301.7K → UNBK
7	$1,777,588	$1,439,083.97	$16,396	$2,960.57	+$1.76M → UNBK
8	$17,016,157	$15,114,137.40	$18,631	$3,612.97	+$17.00M → UNBK
9	$288,640,446	$270,433,158.69	$21,548	$4,482.15	+$288.62M → UNBK
10	$8,883,208,417	$8,574,363,139.05	$25,398	$5,659.31	+$8883.18M → UNBK

UNBK vs QYLD: Complete Analysis 2026

UNBK — Stock

United National Bank offers various banking products and services in the Grady County. The company offers checking and savings accounts; credit cards; individual retirement accounts and certificates of deposits; business and merchant accounts; mortgage loans; direct deposit and SMS guardian services; and safe deposit boxes. It also offers mortgage, construction, business, personal, automobile, home improvement, agricultural, and installment loans; and online and mobile banking services. The company is based in Cairo, Georgia.

Full UNBK Calculator →

QYLD — ETF

The Global X Nasdaq 100 Covered Call ETF (QYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Nasdaq-100 BuyWrite V2 Index.

Full QYLD 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.