Is UNJCF or SPHD a better dividend investment in 2026?

UNJCF currently yields 4.90% with a 5% 5-year dividend growth rate. SPHD yields 4.30% with 5% growth. The better choice depends on your goal: UNJCF offers higher current income.

What is the dividend yield difference between UNJCF and SPHD?

UNJCF has a forward dividend yield of 4.90% ($0.15/share annually). SPHD yields 4.30% ($2.14/share annually). The yield gap is 0.60 percentage points.

Home › Compare › UNJCF vs SPHD

UNJCF vs SPHD: Dividend Comparison 2026

UNJCF yields 4.90% · SPHD yields 4.30%● Live data

vsPost on X →

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

🏆 UNJCF wins by $1.1K in total portfolio value

INVESTMENT

TIME HORIZON10 years

UNJCF

● Live price

4.90%

Share price

$3.05

Annual div

$0.15

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.6K

Annual income

$670.52

Full UNJCF calculator →

SPHD

● Live price

4.30%

Share price

$49.61

Annual div

$2.14

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$26.5K

Annual income

$567.37

Full SPHD calculator →

Portfolio growth — UNJCF vs SPHD

📍 UNJCF pulled ahead of the other in Year 1

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	UNJCF	SPHD
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, UNJCF + SPHD cover 0 of 12 months — good coverage

Jan

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Feb

—

Mar

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Apr

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May

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Jun

—

Jul

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Aug

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Sep

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Oct

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Nov

—

Dec

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UNJCF pays

SPHD pays

Both pay

Neither

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Tax Bracket Optimizer

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

UNJCF

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

$416.53/yr

After 10yr DRIP, annual income (after tax)

$569.94/yr

SPHD

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

$365.92/yr

After 10yr DRIP, annual income (after tax)

$482.26/yr

At 15% tax rate, UNJCF beats the other by $87.68/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 UNJCF + SPHD for your $10,000?

UNJCF: 50%SPHD: 50%

100% SPHD50/50100% UNJCF

Portfolio after 10yr

$27.0K

Annual income

$618.94/yr

Blended yield

2.29%

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Analyst Conviction Gap

Where Wall Street is most bullish on SPHD right now

UNJCF

Analyst Ratings

Hold

Sell

Consensus: Hold

Altman Z

-0.7

Piotroski

5/9

SPHD

No analyst data

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UNJCF buys

SPHD buys

No recent congressional trades found for UNJCF or SPHD in the last 90 days.

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

MetricUNJCFSPHD

Forward yield	4.90% ✓	4.30%
Annual dividend / share	$0.15	$2.14 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$27.6K ✓	$26.5K
Annual income after 10y	$670.52 ✓	$567.37
Total dividends collected	$5.8K ✓	$5.0K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: UNJCF vs SPHD ($10,000, DRIP)

Year	UNJCF Portfolio	UNJCF Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,190	$490.03	$11,130	$430.50	+$60.00 → UNJCF
2	$12,486	$512.48	$12,357	$447.82	+$129.00 → UNJCF
3	$13,894	$534.41	$13,687	$464.65	+$207.00 → UNJCF
4	$15,423	$555.79	$15,126	$480.98	+$297.00 → UNJCF
5	$17,079	$576.56	$16,682	$496.78	+$397.00 → UNJCF
6	$18,871	$596.71	$18,362	$512.03	+$509.00 → UNJCF
7	$20,808	$616.19	$20,174	$526.72	+$634.00 → UNJCF
8	$22,900	$635.00	$22,127	$540.84	+$773.00 → UNJCF
9	$25,156	$653.11	$24,230	$554.39	+$926.00 → UNJCF
10	$27,587	$670.52	$26,493	$567.37	+$1.1K → UNJCF

UNJCF vs SPHD: Complete Analysis 2026

UNJCF — Stock

Unicaja Banco, S.A. provides various banking products and services to individuals and companies in Spain and internationally. It offers accounts, payments, and debit and credit cards; mortgages and personal loans; deposit products, stock exchange, pension plans, investment funds and portfolios, and savings insurance policies; and life, home, car, accident, health, and agricultural insurance, as well as SME and retail damage, and corporate liability insurance products. The company also provides cash management, short term and long-term financing, and investment services, as well as remote and mobile banking services. In addition, it engages in the property development and renewable energies activities; and invests in assets, securities, and financial companies. As of December 31, 2021, it had a network of 1,368 branches in Spain and 1 correspondent office in the United Kingdom. Unicaja Banco, S.A. was founded in 1991 and is headquartered in Málaga, Spain.

Full UNJCF Calculator →

SPHD — ETF

The Invesco S&P 500 High Dividend Low Volatility ETF (Fund) is based on the S&P 500 Low Volatility High Dividend Index (Index). The Fund will invest at least 90% of its total assets in common stocks that comprise the Index. Standard & Poor's compiles, maintains and calculates the Index, which is composed of 50 securities traded on the S&P 500 Index that historically have provided high dividend yields and low volatility. The Fund and the Index are rebalanced and reconstituted semi-annually, in January and July.

Full SPHD 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.