HSBC vs UBOH: Which Is the Better Dividend Stock?
As of Oct 18, 2026, HSBC and UBOH are closely matched. HSBC offers the higher yield at 3.97%, HSBC has the higher dividend-safety score, and UBOH looks like the better value (its fair-value estimate is 46% above its share price).
Key facts: HSBC vs UBOH
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, HSBC Holdings plc (HSBC) has the higher forward dividend yield at 3.97%, versus 2.43% for United Bancshares, Inc. (UBOH).
- As of Oct 18, 2026, SmarterDividends grades HSBC's dividend safety B (72/100) and UBOH's B (71/100).
- As of Oct 18, 2026, HSBC pays out 54% of its earnings as dividends and UBOH pays out 24%.
- As of Oct 18, 2026, HSBC's fair-value estimate is 44% above its share price and UBOH's fair-value estimate is 46% above its share price, so UBOH looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "HSBC vs UBOH: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/hsbc-vs-uboh
| Metric | HSBC | UBOH |
|---|---|---|
| Forward yield | 3.97% | 2.43% |
| Annual dividend | $3.75 | $0.98 |
| Payout ratio | 54% | 24% |
| Years of growth | 0 yr | 1 yr |
| 5-yr dividend growth | -13.8% | — |
| 5-yr total return | 242% | — |
| Dividend safety score | 72 (B) | 71 (B) |
| Fair value estimate | $135.99 | $58.79 |
| Upside to fair value | +44% | +46% |
| Frequency | quarterly | quarterly |
| Market cap | $323.4B | $109.3M |
| P/E ratio | 13.5 | 10.3 |
Higher yield
HSBC
3.97%
Safer dividend
HSBC
Grade B
Faster growth
HSBC
-13.8%
Better value
UBOH
+46% upside
HSBC vs UBOH — FAQ
Is HSBC or UBOH a better dividend stock?
HSBC and UBOH are closely matched. HSBC has the higher yield; HSBC scores better on safety.
Which has a higher dividend yield, HSBC or UBOH?
HSBC has the higher forward dividend yield at 3.97%, versus 2.43% for UBOH.
Is HSBC or UBOH safer?
HSBC has the higher dividend-safety score (72/100 vs 71/100), reflecting stronger payout coverage and dividend-growth history.
Is HSBC or UBOH better value right now?
As of Oct 18, 2026, UBOH looks like the better value: its fair-value estimate is 46% above its share price (undervalued). For HSBC, its fair-value estimate is 44% above its share price.
Related comparisons
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.