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ADC vs USM: Dividend Comparison 2026

ADC yields 4.13% · USM yields 2.60%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ADC wins by $155.4K in total portfolio value
10 years
ADC
Agree Realty Corporation
● Live price
4.13%
Share price
$74.97
Annual div
$3.10
5Y div CAGR
40.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$178.9K
Annual income
$80,797.29
Full ADC calculator →
USM
USM
● Live price
2.60%
Share price
$77.01
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.6K
Annual income
$307.09
Full USM calculator →

Portfolio growth — ADC vs USM

📍 ADC 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 PeriodADCUSM
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, ADC + USM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ADC pays
USM pays
Both pay
Neither
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Tax Bracket Optimizer

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

ADC
Annual income on $10K today (after 15% tax)
$351.36/yr
After 10yr DRIP, annual income (after tax)
$68,677.70/yr
USM
Annual income on $10K today (after 15% tax)
$220.75/yr
After 10yr DRIP, annual income (after tax)
$261.03/yr
At 15% tax rate, ADC beats the other by $68,416.67/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ADC + USM for your $10,000?

ADC: 50%USM: 50%
100% USM50/50100% ADC
Portfolio after 10yr
$101.3K
Annual income
$40,552.19/yr
Blended yield
40.05%
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Analyst Conviction Gap

Where Wall Street is most bullish on ADC right now

ADC
Analyst Ratings
1
Strong
22
Buy
9
Hold
Consensus: Buy
Price Target
$81.06
+8.1% upside vs current
Range: $75.00 — $84.50
Altman Z
1.6
Piotroski
7/9
USM
Analyst Ratings
4
Buy
5
Hold
1
Sell
Consensus: Hold
Price Target
$80.50
+4.5% upside vs current
Range: $75.00 — $86.00
Altman Z
2.1
Piotroski
5/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ADC buys
0
USM buys
0
No recent congressional trades found for ADC or USM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricADCUSM
Forward yield4.13%2.60%
Annual dividend / share$3.10$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR40.4%0%
Portfolio after 10y$178.9K$23.6K
Annual income after 10y$80,797.29$307.09
Total dividends collected$156.7K$2.8K
Payment frequencymonthlyquarterly
SectorREITStock
Analyst consensusBuyHold
Analyst price target$81.06$80.50

Year-by-year: ADC vs USM ($10,000, DRIP)

YearADC PortfolioADC Income/yrUSM PortfolioUSM Income/yrGap
1← crossover$10,990$580.36$10,960$259.71+$30.00ADC
2$12,301$860.26$11,993$266.01+$308.00ADC
3$14,104$1,298.62$13,104$272.04+$1.0KADC
4$16,691$2,008.16$14,300$277.81+$2.4KADC
5$20,580$3,205.09$15,584$283.32+$5.0KADC
6$26,754$5,330.02$16,963$288.56+$9.8KADC
7$37,196$9,345.14$18,444$293.56+$18.8KADC
8$56,244$17,523.09$20,034$298.30+$36.2KADC
9$94,286$35,736.21$21,739$302.81+$72.5KADC
10$178,949$80,797.29$23,568$307.09+$155.4KADC

ADC vs USM: Complete Analysis 2026

ADCREIT

Agree Realty Corporation is a publicly traded real estate investment trust primarily engaged in the acquisition and development of properties net leased to industry-leading retail tenants. As of September 30, 2020, the Company owned and operated a portfolio of 1,027 properties, located in 45 states and containing approximately 21.0 million square feet of gross leasable area. The Company's common stock is listed on the New York Stock Exchange under the symbol ADC.

Full ADC Calculator →

USMStock

United States Cellular Corporation provides wireless telecommunications services in the United States. The company offers wireless services, including voice, messaging, and data services. It also provides devices, such as smartphones and other handsets, tablets, wearables, mobile hotspots, routers, and internet of things devices. In addition, the company offers various accessories, such as cases, screen protectors, chargers, and memory cards; and consumer electronics, including audio, home automation, and networking products; as well as offers option to purchase devices and accessories under installment contracts. Further, the company offers roaming, wireless eligible telecommunications carrier, and wireless tower rental services. It serves consumer, business, and government customers with 5.0 million connections, including 4.4 million postpaid, 0.5 million prepaid, and 0.1 million reseller and other connections in 21 states. The company provides its products and services through retail sales, direct sales, third-party national retailers, and independent agents, as well as e-commerce and telesales. The company was incorporated in 1983 and is headquartered in Chicago, Illinois. United States Cellular Corporation is a subsidiary of Telephone and Data Systems, Inc.

Full USM 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.