HSBC vs UCB: Which Is the Better Dividend Stock?
As of September 2026, UCB (United Community Banks, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. HSBC offers the higher yield at 3.61%, UCB has the higher dividend-safety score, and UCB trades at the larger discount to fair value (+46%).
| Metric | HSBC | UCB |
|---|---|---|
| Forward yield | 3.61% | 2.94% |
| Annual dividend | $3.75 | $1.04 |
| Payout ratio | 54% | 33% |
| Years of growth | 0 yr | 11 yr |
| 5-yr dividend growth | -13.8% | 6.4% |
| 5-yr total return | 303% | 8% |
| Dividend safety score | 72 (B) | 81 (A) |
| Fair value estimate | $136.26 | $51.44 |
| Upside to fair value | +29% | +46% |
| Frequency | quarterly | quarterly |
| Market cap | $350.0B | $4.2B |
| P/E ratio | 14.6 | 11.5 |
Higher yield
HSBC
3.61%
Safer dividend
UCB
Grade A
Faster growth
UCB
6.4%
Better value
UCB
+46% upside
HSBC vs UCB — FAQ
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