HomeCompareCAT vs USM

CAT vs USM: Dividend Comparison 2026

CAT yields 0.89% · USM yields 2.60%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CAT wins by $11.5K in total portfolio value· pulled ahead in Year 5
10 years
CAT
CAT
● Live price
0.89%
Share price
$667.43
Annual div
$5.94
5Y div CAGR
42.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.0K
Annual income
$4,847.85
Full CAT 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 — CAT vs USM

📍 CAT pulled ahead of the other in Year 5

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodCATUSM
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%.
📅

Dividend Calendar Overlap

Combined, CAT + USM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CAT pays
USM pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

CAT
Annual income on $10K today (after 15% tax)
$75.65/yr
After 10yr DRIP, annual income (after tax)
$4,120.67/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, CAT beats the other by $3,859.65/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CAT: 50%USM: 50%
100% USM50/50100% CAT
Portfolio after 10yr
$29.3K
Annual income
$2,577.47/yr
Blended yield
8.80%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on CAT right now

CAT
Analyst Ratings
25
Buy
21
Hold
7
Sell
Consensus: Buy
Price Target
$697.07
+4.4% upside vs current
Range: $425.00 — $825.00
Altman Z
4.7
Piotroski
6/9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CAT buys
0
USM buys
0
No recent congressional trades found for CAT or USM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCATUSM
Forward yield0.89%2.60%
Annual dividend / share$5.94$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR42.9%0%
Portfolio after 10y$35.0K$23.6K
Annual income after 10y$4,847.85$307.09
Total dividends collected$13.5K$2.8K
Payment frequencyquarterlyquarterly
SectorIndustrialsStock
Analyst consensusBuyHold
Analyst price target$697.07$80.50

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

YearCAT PortfolioCAT Income/yrUSM PortfolioUSM Income/yrGap
1$10,827$127.18$10,960$259.71$133.00USM
2$11,769$183.90$11,993$266.01$224.00USM
3$12,860$266.96$13,104$272.04$244.00USM
4$14,150$389.58$14,300$277.81$150.00USM
5← crossover$15,712$572.46$15,584$283.32+$128.00CAT
6$17,661$848.98$16,963$288.56+$698.00CAT
7$20,172$1,274.46$18,444$293.56+$1.7KCAT
8$23,528$1,944.03$20,034$298.30+$3.5KCAT
9$28,203$3,028.23$21,739$302.81+$6.5KCAT
10$35,025$4,847.85$23,568$307.09+$11.5KCAT

CAT vs USM: Complete Analysis 2026

CATIndustrials

Caterpillar Inc. manufactures and sells construction and mining equipment, diesel and natural gas engines, and industrial gas turbines worldwide. Its Construction Industries segment offers asphalt pavers, backhoe loaders, compactors, cold planers, compact track and multi-terrain loaders, excavators, motorgraders, pipelayers, road reclaimers, site prep tractors, skid steer loaders, telehandlers, and utility vehicles; mini, small, medium, and large excavators; compact, small, and medium wheel loaders; track-type tractors and loaders; and wheel excavators. The Resource Industries segment provides electric rope shovels, draglines, hydraulic shovels, rotary drills, hard rock vehicles, track-type tractors, mining trucks, longwall miners, wheel loaders, off-highway trucks, articulated trucks, wheel tractor scrapers, wheel dozers, fleet management, landfill compactors, soil compactors, machinery components, autonomous ready vehicles and solutions, select work tools, and safety services and mining performance solutions. The Energy & Transportation segment offers reciprocating engines, generator sets, integrated systems and solutions, turbines and turbine-related services, remanufactured reciprocating engines and components, centrifugal gas compressors, diesel-electric locomotives and components, and other rail-related products and services for marine, oil and gas, industrial, and electric power generation sectors. The company's Financial Products segment provides operating and finance leases, installment sale contracts, working capital loans, and wholesale financing plans; and insurance and risk management products for vehicles, power generation facilities, and marine vessels. The All Other operating segment manufactures filters and fluids, undercarriage, ground engaging tools, etc. The company was formerly known as Caterpillar Tractor Co. and changed its name to Caterpillar Inc. in 1986. The company was founded in 1925 and is headquartered in Deerfield, Illinois.

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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.