HomeCompareSPYD vs USM

SPYD vs USM: Dividend Comparison 2026

SPYD yields 4.41% · USM yields 2.60%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SPYD wins by $3.1K in total portfolio value
10 years
SPYD
SPYD
● Live price
4.41%
Share price
$45.11
Annual div
$1.99
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.7K
Annual income
$584.62
Full SPYD 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 — SPYD vs USM

📍 SPYD 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 PeriodSPYDUSM
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, SPYD + USM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SPYD
Annual income on $10K today (after 15% tax)
$374.62/yr
After 10yr DRIP, annual income (after tax)
$496.93/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, SPYD beats the other by $235.90/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SPYD: 50%USM: 50%
100% USM50/50100% SPYD
Portfolio after 10yr
$25.1K
Annual income
$445.85/yr
Blended yield
1.77%
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Analyst Conviction Gap

Where Wall Street is most bullish on USM right now

SPYD
No analyst data
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)

SPYD buys
0
USM buys
0
No recent congressional trades found for SPYD or USM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSPYDUSM
Forward yield4.41%2.60%
Annual dividend / share$1.99$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.7K$23.6K
Annual income after 10y$584.62$307.09
Total dividends collected$5.2K$2.8K
Payment frequencyquarterlyquarterly
SectorETFStock

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

YearSPYD PortfolioSPYD Income/yrUSM PortfolioUSM Income/yrGap
1← crossover$11,141$440.73$10,960$259.71+$181.00SPYD
2$12,379$458.88$11,993$266.01+$386.00SPYD
3$13,723$476.54$13,104$272.04+$619.00SPYD
4$15,177$493.69$14,300$277.81+$877.00SPYD
5$16,750$510.29$15,584$283.32+$1.2KSPYD
6$18,448$526.32$16,963$288.56+$1.5KSPYD
7$20,281$541.78$18,444$293.56+$1.8KSPYD
8$22,258$556.65$20,034$298.30+$2.2KSPYD
9$24,387$570.93$21,739$302.81+$2.6KSPYD
10$26,678$584.62$23,568$307.09+$3.1KSPYD

SPYD vs USM: Complete Analysis 2026

SPYDETF

The State Street SPDR Portfolio S&P 500 High Dividend ETF seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of the S&P 500 High Dividend Index (the "Index")A low cost ETF that seeks to provide a high level of dividend income and the opportunity for capital appreciationThe Index is designed to measure the performance of the top 80 high dividend-yielding companies within the S&P 500 IndexOne of the low cost core State Street SPDR Portfolio ETFs, a suite of portfolio building blocks designed to provide broad, diversified exposure to core asset classes

Full SPYD Calculator →

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.