United-Guardian, Inc.
UGConsumer Defensive · Stock · semiannual payer
Forward Yield
7.95%
Annual Dividend
$0.60
Payout Ratio
96%
5-Yr Growth
-5.1%
Ex-Date
Jul 28, 2026
Frequency
Semiannual
Summary
As of July 2026, United-Guardian, Inc. (UG) yields 7.95% ($0.60 per share annually), with a blended fair-value estimate of $6.98 — -8% downside, so it screens as fairly valued. Dividend safety grade: C (52/100).
Is UG a good dividend stock?
MixedUnited-Guardian, Inc. (UG) pays a semiannual dividend yielding 7.95% ($0.60/yr), with 0 years of growth and a dividend-safety grade of C. The picture is mixed — the dividend pays, but safety or growth signals are weaker than ideal.
Advantages
Risks
- Cut its dividend in 2024
- Elevated payout ratio (96%)
- Dividend has been shrinking, not growing
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 7.95%
- Payout Ratio
- 96%
- Annual Dividend
- $0.60
- 5-Yr Avg Growth
- -5.1%
- Ex-Dividend Date
- Jul 28, 2026
- Years of Growth
- 0
- Frequency
- semiannual
- Beta
- 0.96
- Market Cap
- $35.4M
- P/E Ratio
- 14.8
- 5-Yr Total Return
- -51%
- 52-Week Range
- $5.58 – $9.88
- Dividend Safety
- C · 52/100
- Ever Cut?
- Yes (2024)
Frequently Asked Questions
UG Price — Last 12 Months
Daily close
Price Return
1 Year
-10%
3 Years
-1%
5 Years
-51%
52-Week Range
$5.58 – $9.88
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is UG worth?
Fairly valuedmedium confidenceOur blended fair-value estimate for United-Guardian, Inc. is $6.98 per share, versus a market price of $7.55. That implies the stock is roughly fairly priced.
Fair Value
$6.98
Current Price
$7.55
Gap
-8%
Margin of Safety
-8%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model -5.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 9.1% discount rate (CAPM), -5.0% stage-1 growth, 2.5% terminal growth, $0.52 EPS, $0.60 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
UG Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Feb 9, 2026 | — | $0.2500 | regular |
| Jul 25, 2025 | — | $0.2500 | regular |
| Feb 10, 2025 | — | $0.3500 | regular |
| Jul 23, 2024 | — | $0.3500 | regular |
| Feb 9, 2024 | — | $0.2500 | regular |
| Jul 25, 2023 | — | $0.1000 | regular |
| Nov 25, 2022 | — | $0.3100 | regular |
| May 20, 2022 | — | $0.3700 | regular |
| Nov 26, 2021 | — | $0.6500 | regular |
| May 27, 2021 | — | $0.4800 | regular |
| Nov 30, 2020 | — | $0.3600 | regular |
| Jun 2, 2020 | — | $0.4200 | regular |
| Dec 2, 2019 | — | $0.5500 | regular |
| May 30, 2019 | — | $0.5500 | regular |
Income Calculator
At $0.60 / yr per share
