HomeCompareNSC vs USM

NSC vs USM: Dividend Comparison 2026

NSC yields 1.91% · USM yields 2.60%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 NSC wins by $43.2K in total portfolio value
10 years
NSC
NSC
● Live price
1.91%
Share price
$282.50
Annual div
$5.40
5Y div CAGR
43.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$66.7K
Annual income
$17,746.55
Full NSC 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 — NSC vs USM

📍 NSC 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 PeriodNSCUSM
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, NSC + USM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

NSC
Annual income on $10K today (after 15% tax)
$162.48/yr
After 10yr DRIP, annual income (after tax)
$15,084.57/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, NSC beats the other by $14,823.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NSC: 50%USM: 50%
100% USM50/50100% NSC
Portfolio after 10yr
$45.1K
Annual income
$9,026.82/yr
Blended yield
19.99%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on NSC right now

NSC
Analyst Ratings
21
Buy
24
Hold
3
Sell
Consensus: Hold
Price Target
$315.33
+11.6% upside vs current
Range: $288.00 — $342.00
Altman Z
2.3
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

NSC buys
0
USM buys
0
No recent congressional trades found for NSC or USM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNSCUSM
Forward yield1.91%2.60%
Annual dividend / share$5.40$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR43.6%0%
Portfolio after 10y$66.7K$23.6K
Annual income after 10y$17,746.55$307.09
Total dividends collected$42.2K$2.8K
Payment frequencyquarterlyquarterly
SectorStockStock
Analyst consensusHoldHold
Analyst price target$315.33$80.50

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

YearNSC PortfolioNSC Income/yrUSM PortfolioUSM Income/yrGap
1← crossover$10,974$274.49$10,960$259.71+$14.00NSC
2$12,147$404.28$11,993$266.01+$154.00NSC
3$13,598$600.54$13,104$272.04+$494.00NSC
4$15,452$902.22$14,300$277.81+$1.2KNSC
5$17,909$1,375.92$15,584$283.32+$2.3KNSC
6$21,303$2,140.25$16,963$288.56+$4.3KNSC
7$26,211$3,416.66$18,444$293.56+$7.8KNSC
8$33,688$5,641.72$20,034$298.30+$13.7KNSC
9$45,777$9,731.21$21,739$302.81+$24.0KNSC
10$66,728$17,746.55$23,568$307.09+$43.2KNSC

NSC vs USM: Complete Analysis 2026

NSCStock

Norfolk Southern Corporation, together with its subsidiaries, engages in the rail transportation of raw materials, intermediate products, and finished goods in the United States. The company transports agriculture, forest, and consumer products comprising soybeans, wheat, corn, fertilizers, livestock and poultry feed, food products, food oils, flour, sweeteners, ethanol, lumber and wood products, pulp board and paper products, wood fibers, wood pulp, scrap paper, beverages, canned goods, and consumer products; chemicals consist of sulfur and related chemicals, petroleum products, chlorine and bleaching compounds, plastics, rubber, industrial chemicals, chemical wastes, and sand; metals and construction materials, such as steel, aluminum products, machinery, scrap metals, cement, aggregates, minerals, clay, transportation equipment, and military-related products; and automotive, including finished motor vehicles and automotive parts, as well as coal. It also transports overseas freight through various Atlantic and Gulf Coast ports; and provides commuter rail passenger transportation services and operates an intermodal network. As of December 31, 2021, the company operated approximately 19,300 route miles in 22 states and the District of Columbia. Norfolk Southern Corporation was incorporated in 1980 and is based in Atlanta, Georgia.

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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.