Is UNBK or RYLD a better dividend investment in 2026?

UNBK currently yields 5.33% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: RYLD offers higher current income.

What is the dividend yield difference between UNBK and RYLD?

UNBK has a forward dividend yield of 5.33% ($3.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 6.81 percentage points.

Home › Compare › UNBK vs RYLD

UNBK vs RYLD: Dividend Comparison 2026

UNBK yields 5.33% · RYLD yields 12.14%● Live data

vsPost on X →

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

🏆 UNBK wins by $8883.16M in total portfolio value· pulled ahead in Year 2

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 →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — UNBK vs RYLD

📍 UNBK pulled ahead of the other in Year 2

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 Period	UNBK	RYLD
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 + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UNBK pays

RYLD 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

RYLD

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

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, UNBK beats the other by $7,288,206,468.95/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

UNBK: 50%RYLD: 50%

100% RYLD50/50100% UNBK

Portfolio after 10yr

$4441.63M

Annual income

$4,287,182,863.20/yr

Blended yield

96.52%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UNBK buys

RYLD buys

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

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

MetricUNBKRYLD

Forward yield	5.33%	12.14% ✓
Annual dividend / share	$3.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	0%
Portfolio after 10y	$8883.21M ✓	$44.5K
Annual income after 10y	$8,574,363,139.05 ✓	$2,587.35
Total dividends collected	$8861.64M ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

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

Year	UNBK Portfolio	UNBK Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1	$11,767	$1,066.67	$11,914	$1,213.65	$147.00 → RYLD
2← crossover	$14,936	$2,346.00	$14,099	$1,351.30	+$837.00 → UNBK
3	$21,548	$5,566.28	$16,580	$1,494.55	+$5.0K → UNBK
4	$38,066	$15,009.89	$19,384	$1,642.61	+$18.7K → UNBK
5	$90,294	$49,562.78	$22,535	$1,794.70	+$67.8K → UNBK
6	$316,359	$219,744.51	$26,063	$1,950.00	+$290.3K → UNBK
7	$1,777,588	$1,439,083.97	$29,995	$2,107.69	+$1.75M → UNBK
8	$17,016,157	$15,114,137.40	$34,361	$2,266.99	+$16.98M → UNBK
9	$288,640,446	$270,433,158.69	$39,194	$2,427.12	+$288.60M → UNBK
10	$8,883,208,417	$8,574,363,139.05	$44,525	$2,587.35	+$8883.16M → UNBK

UNBK vs RYLD: 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 →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD 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.