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JEPI vs USB: Dividend Comparison 2026

JEPI yields 7.21% · USB yields 4.00% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 JEPI wins by $163.00 in total portfolio value
10 years
JEPI
JPMorgan Equity Premium Income ETF
7.21%
Share price
$55.20
Annual div
$3.98
5Y div CAGR
2.1%
Payout ratio
72%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.2K
Annual income
$1,567.15
Full JEPI 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 — JEPI vs USB

Annual dividend income

MetricJEPIUSB
Forward yield7.21%4.00%
Annual dividend / share$3.98$2.00
Payout ratio72%50%
1-year div growth-3.2%5%
5-year div CAGR2.1%5%
Portfolio after 10y$28.2K$28.0K
Annual income after 10y$1,567.15$899.19
Total dividends collected$11.1K$6.4K
Payment frequencymonthlyquarterly
SectorETFFinancials

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

YearJEPI PortfolioJEPI Income/yrUSB PortfolioUSB Income/yrGap
1$11,156$736.16$11,120$420.00+$36.00JEPI
2$12,429$804.72$12,357$458.31+$72.00JEPI
3$13,830$878.49$13,721$499.76+$109.00JEPI
4$15,369$957.78$15,227$544.58+$142.00JEPI
5$17,057$1,042.88$16,885$593.02+$172.00JEPI
6$18,907$1,134.13$18,713$645.34+$194.00JEPI
7$20,933$1,231.83$20,724$701.81+$209.00JEPI
8$23,149$1,336.34$22,938$762.73+$211.00JEPI
9$25,569$1,447.99$25,372$828.41+$197.00JEPI
10$28,210$1,567.15$28,047$899.19+$163.00JEPI

JEPI vs USB: Complete Analysis 2026

JEPIETF

JEPI is an actively managed ETF delivering high monthly income via covered calls on S&P 500 stocks. It consistently yields 6–9% annually, making it one of the highest-income ETFs available. Popular with retirees seeking monthly cash flow without selling shares. Launched in 2020, it rapidly became one of the largest active ETFs with $35B+ AUM.

Full JEPI 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 JEPI or USB better for dividend income in 2026?
JEPI currently offers a 7.21% yield (3.98/share/year) while USB offers 4.00% (2.00/share/year). JEPI 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 JEPI vs USB earn per year?
With $10,000 invested today: JEPI pays approximately $721/year. USB pays approximately $400/year. With DRIP reinvestment over 10 years, these grow to $1,567/year (JEPI) and $899/year (USB).
Does JEPI or USB pay monthly dividends?
JEPI pays monthly dividends. USB pays quarterly dividends. JEPI pays monthly, 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.