Is UNPA or VYM a better dividend investment in 2026?

UNPA currently yields 2.53% with a 5% 5-year dividend growth rate. VYM yields 2.41% with 7.8% growth. The better choice depends on your goal: UNPA offers higher current income.

What is the dividend yield difference between UNPA and VYM?

UNPA has a forward dividend yield of 2.53% ($2.50/share annually). VYM yields 2.41% ($3.51/share annually). The yield gap is 0.12 percentage points.

Home › Compare › UNPA vs VYM

UNPA vs VYM: Dividend Comparison 2026

UNPA yields 2.53% · VYM yields 2.41%● Live data

vsPost on X →

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

🏆 VYM wins by $4.4K in total portfolio value

INVESTMENT

TIME HORIZON10 years

UNPA

● Live price

2.53%

Share price

$98.80

Annual div

$2.50

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$23.5K

Annual income

$297.93

Full UNPA calculator →

VYM

Vanguard High Dividend Yield ETF

● Live price

2.41%

Share price

$145.48

Annual div

$3.51

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.8K

Annual income

$278.55

Full VYM calculator →

Portfolio growth — UNPA vs VYM

📍 VYM 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	UNPA	VYM
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, UNPA + VYM cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

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

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Dec

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UNPA pays

VYM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

UNPA

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

$215.08/yr

After 10yr DRIP, annual income (after tax)

$253.24/yr

VYM

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

$205.23/yr

After 10yr DRIP, annual income (after tax)

$236.77/yr

At 15% tax rate, UNPA beats the other by $16.47/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 UNPA + VYM for your $10,000?

UNPA: 50%VYM: 50%

100% VYM50/50100% UNPA

Portfolio after 10yr

$25.7K

Annual income

$288.23/yr

Blended yield

1.12%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UNPA buys

VYM buys

Politician	Chamber	Ticker	Type	Amount	Date
Carol Devine Miller	🏢 House	$VYM	▲ Buy	$15,001 - $50,000	2022-11-02

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

MetricUNPAVYM

Forward yield	2.53% ✓	2.41%
Annual dividend / share	$2.50	$3.51 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$23.5K	$27.8K ✓
Annual income after 10y	$297.93 ✓	$278.55
Total dividends collected	$2.8K ✓	$2.6K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: UNPA vs VYM ($10,000, DRIP)

Year	UNPA Portfolio	UNPA Income/yr	VYM Portfolio	VYM Income/yr	Gap
1← crossover	$10,953	$253.04	$11,151	$241.44	$198.00 → VYM
2	$11,979	$259.02	$12,413	$246.79	$434.00 → VYM
3	$13,082	$264.74	$13,794	$251.79	$712.00 → VYM
4	$14,268	$270.21	$15,306	$256.47	$1.0K → VYM
5	$15,542	$275.43	$16,960	$260.84	$1.4K → VYM
6	$16,911	$280.40	$18,768	$264.92	$1.9K → VYM
7	$18,379	$285.13	$20,745	$268.71	$2.4K → VYM
8	$19,956	$289.62	$22,905	$272.24	$2.9K → VYM
9	$21,646	$293.88	$25,265	$275.51	$3.6K → VYM
10	$23,460	$297.93	$27,842	$278.55	$4.4K → VYM

UNPA vs VYM: Complete Analysis 2026

UNPA — Stock

UNB Corp. operates as the bank holding company for UNB Bank that provides various banking products and services. The company accepts checking, NOW, savings, club, and money market accounts. Its loan products include commercial, installment, and real estate loans. The company also offers debit cards; and remote deposit capture, ATM, and online and mobile banking services. UNB Corp. was founded in 1906 and is based in Mount Carmel, Pennsylvania.

Full UNPA Calculator →

VYM — ETF

Seeks to track the performance of the FTSE High Dividend Yield Index, which measures the investment return of common stocks of companies characterized by high dividend yields. Provides a convenient way to track the performance of stocks that are forecasted to have above-average dividend yields. Follows a passively managed, full-replication approach.

Full VYM 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.