Is DVY or USM a better dividend investment in 2026?

DVY currently yields 3.50% with a 5% 5-year dividend growth rate. USM yields 4.00% with 5% growth. The better choice depends on your goal: USM offers higher current income.

What is the dividend yield difference between DVY and USM?

DVY has a forward dividend yield of 3.50% ($5.25/share annually). USM yields 4.00% ($2.00/share annually). The yield gap is 0.50 percentage points.

Home › Compare › DVY vs USM

DVY vs USM: Dividend Comparison 2026

DVY yields 3.50% · USM yields 4.00%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 USM wins by $3.0K in total portfolio value

INVESTMENT

TIME HORIZON10 years

DVY

● Live price

3.50%

Share price

$150.03

Annual div

$5.25

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.1K

Annual income

$437.78

Full DVY calculator →

USM

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full USM calculator →

Portfolio growth — DVY vs USM

📍 USM 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 Period	DVY	USM
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, DVY + USM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

DVY pays

USM pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

DVY

Annual income on $10K today (after 15% tax)

$297.17/yr

After 10yr DRIP, annual income (after tax)

$372.11/yr

USM

Annual income on $10K today (after 15% tax)

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, USM beats the other by $392.20/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

DVY: 50%USM: 50%

100% USM50/50100% DVY

Portfolio after 10yr

$26.6K

Annual income

$668.49/yr

Blended yield

2.52%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on USM right now

DVY

No analyst data

Altman Z

307.5

Piotroski

1/9

USM

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Price Target

$80.50

+61.0% 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)

DVY buys

USM buys

No recent congressional trades found for DVY or USM in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricDVYUSM

Forward yield	3.50%	4.00% ✓
Annual dividend / share	$5.25 ✓	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$25.1K	$28.0K ✓
Annual income after 10y	$437.78	$899.19 ✓
Total dividends collected	$4.0K	$6.4K ✓
Payment frequency	quarterly	quarterly
Sector	ETF	Stock

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

Year	DVY Portfolio	DVY Income/yr	USM Portfolio	USM Income/yr	Gap
1← crossover	$11,050	$349.62	$11,120	$420.00	$70.00 → USM
2	$12,184	$361.04	$12,357	$458.31	$173.00 → USM
3	$13,409	$372.07	$13,721	$499.76	$312.00 → USM
4	$14,730	$382.68	$15,227	$544.58	$497.00 → USM
5	$16,154	$392.89	$16,885	$593.02	$731.00 → USM
6	$17,688	$402.69	$18,713	$645.34	$1.0K → USM
7	$19,338	$412.07	$20,724	$701.81	$1.4K → USM
8	$21,113	$421.04	$22,938	$762.73	$1.8K → USM
9	$23,020	$429.61	$25,372	$828.41	$2.4K → USM
10	$25,070	$437.78	$28,047	$899.19	$3.0K → USM

DVY vs USM: Complete Analysis 2026

DVY — ETF

The iShares Select Dividend ETF seeks to track the investment results of an index composed of relatively high dividend paying U.S. equities.

Full DVY Calculator →

USM — Stock

USM is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in USM shares.

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.