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HTGC vs USB: Dividend Comparison 2026

HTGC yields 10.22% · USB yields 4.00% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 HTGC wins by $25.6K in total portfolio value
10 years
HTGC
Hercules Capital Inc.
10.22%
Share price
$18.40
Annual div
$1.88
5Y div CAGR
4.2%
Payout ratio
90%
After 10 yrs · $10,000 · DRIP
Portfolio value
$53.7K
Annual income
$3,064.35
Full HTGC calculator →
USB
USB
4.00%
Share price
$50.00
Annual div
$2.00
5Y div CAGR
5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.0K
Annual income
$899.19
Full USB calculator →

Portfolio growth — HTGC vs USB

Annual dividend income

MetricHTGCUSB
Forward yield10.22%4.00%
Annual dividend / share$1.88$2.00
Payout ratio90%50%
1-year div growth5.6%5%
5-year div CAGR4.2%5%
Portfolio after 10y$53.7K$28.0K
Annual income after 10y$3,064.35$899.19
Total dividends collected$19.5K$6.4K
Payment frequencyquarterlyquarterly
SectorBDCFinancials

Year-by-year: HTGC vs USB ($10,000, DRIP)

YearHTGC PortfolioHTGC Income/yrUSB PortfolioUSB Income/yrGap
1$12,045$1,064.65$11,120$420.00+$925.00HTGC
2$14,442$1,216.94$12,357$458.31+$2.1KHTGC
3$17,242$1,384.73$13,721$499.76+$3.5KHTGC
4$20,501$1,568.89$15,227$544.58+$5.3KHTGC
5$24,280$1,770.26$16,885$593.02+$7.4KHTGC
6$28,649$1,989.67$18,713$645.34+$9.9KHTGC
7$33,685$2,227.97$20,724$701.81+$13.0KHTGC
8$39,472$2,485.98$22,938$762.73+$16.5KHTGC
9$46,104$2,764.50$25,372$828.41+$20.7KHTGC
10$53,687$3,064.35$28,047$899.19+$25.6KHTGC

HTGC vs USB: Complete Analysis 2026

HTGCBDC

Hercules Capital specializes in lending to venture-backed technology and life sciences companies. This unique focus allows it to capture higher yields than traditional BDCs. Strong origination network with leading VC firms. HTGC pays regular plus supplemental dividends, making total yield among the highest in BDC space.

Full HTGC Calculator →

USBFinancials

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

Full USB Calculator →

Frequently Asked Questions

Is HTGC or USB better for dividend income in 2026?
HTGC currently offers a 10.22% yield (1.88/share/year) while USB offers 4.00% (2.00/share/year). HTGC provides higher current income. However, USB has grown its dividend faster (5% 5Y CAGR), which may lead to better long-term income through compounding.
How much would $10,000 in HTGC vs USB earn per year?
With $10,000 invested today: HTGC pays approximately $1022/year. USB pays approximately $400/year. With DRIP reinvestment over 10 years, these grow to $3,064/year (HTGC) and $899/year (USB).
Does HTGC or USB pay monthly dividends?
HTGC pays quarterly dividends. USB pays quarterly dividends. Neither pay monthly — both use a quarterly schedule, which is preferred by investors who need regular cash flow.
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⚠️ Educational purposes only. Not financial advice. All projections use historical data; actual results will vary.