HSBC vs UBCP: Which Is the Better Dividend Stock?
As of Oct 18, 2026, UBCP (United Bancorp, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. UBCP offers the higher yield at 5.90%, UBCP has the higher dividend-safety score, and UBCP looks like the better value (its fair-value estimate is 115% above its share price).
Key facts: HSBC vs UBCP
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, United Bancorp, Inc. (UBCP) has the higher forward dividend yield at 5.90%, versus 3.97% for HSBC Holdings plc (HSBC).
- As of Oct 18, 2026, SmarterDividends grades HSBC's dividend safety B (72/100) and UBCP's B (78/100).
- By SmarterDividends' count as of Oct 18, 2026, HSBC has raised its dividend for 0 consecutive years and UBCP for 6.
- As of Oct 18, 2026, HSBC pays out 54% of its earnings as dividends and UBCP pays out 55%.
- As of Oct 18, 2026, HSBC's fair-value estimate is 44% above its share price and UBCP's fair-value estimate is 115% above its share price, so UBCP looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HSBC vs UBCP: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/hsbc-vs-ubcp
| Metric | HSBC | UBCP |
|---|---|---|
| Forward yield | 3.97% | 5.90% |
| Annual dividend | $3.75 | $0.79 |
| Payout ratio | 54% | 55% |
| Years of growth | 0 yr | 6 yr |
| 5-yr dividend growth | -13.8% | 5.6% |
| 5-yr total return | 242% | -13% |
| Dividend safety score | 72 (B) | 78 (B) |
| Fair value estimate | $135.99 | $28.75 |
| Upside to fair value | +44% | +115% |
| Frequency | quarterly | quarterly |
| Market cap | $323.4B | $76.9M |
| P/E ratio | 13.5 | 9.7 |
Higher yield
UBCP
5.90%
Safer dividend
UBCP
Grade B
Faster growth
UBCP
5.6%
Better value
UBCP
+115% upside
HSBC vs UBCP — FAQ
Is HSBC or UBCP a better dividend stock?
On the data, UBCP wins more head-to-head categories (5 vs 3). UBCP offers the higher yield (5.90%), while UBCP has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, HSBC or UBCP?
UBCP has the higher forward dividend yield at 5.90%, versus 3.97% for HSBC.
Is HSBC or UBCP safer?
UBCP has the higher dividend-safety score (78/100 vs 72/100), reflecting stronger payout coverage and dividend-growth history.
Is HSBC or UBCP better value right now?
As of Oct 18, 2026, UBCP looks like the better value: its fair-value estimate is 115% above its share price (undervalued). For HSBC, its fair-value estimate is 44% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.