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USAP vs SCHD: Dividend Comparison 2026

USAP yields 4.45% · SCHD yields 3.46%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SCHD wins by $2.3K in total portfolio value
10 years
USAP
USAP
● Live price
4.45%
Share price
$44.99
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.7K
Annual income
$591.10
Full USAP calculator →
SCHD
Schwab U.S. Dividend Equity ETF
● Live price
3.46%
Share price
$30.48
Annual div
$1.06
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.0K
Annual income
$425.95
Full SCHD calculator →

Portfolio growth — USAP vs SCHD

📍 SCHD 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 PeriodUSAPSCHD
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, USAP + SCHD cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

USAP
Annual income on $10K today (after 15% tax)
$377.86/yr
After 10yr DRIP, annual income (after tax)
$502.44/yr
SCHD
Annual income on $10K today (after 15% tax)
$294.40/yr
After 10yr DRIP, annual income (after tax)
$362.06/yr
At 15% tax rate, USAP beats the other by $140.38/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of USAP + SCHD for your $10,000?

USAP: 50%SCHD: 50%
100% SCHD50/50100% USAP
Portfolio after 10yr
$27.9K
Annual income
$508.52/yr
Blended yield
1.82%
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Analyst Conviction Gap

Where Wall Street is split right now

USAP
No analyst data
Price Target
$36.00
-20.0% upside vs current
Range: $36.00 — $36.00
Altman Z
4.5
Piotroski
8/9
SCHD
No analyst data
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

USAP buys
0
SCHD buys
3
PoliticianChamberTickerTypeAmountDate
Virginia Foxx🏢 House$SCHD▼ Sell$50,001 - $100,0002023-03-08
Steve Cohen🏢 House$SCHD▲ Buy$50,001 - $100,0002022-07-29
Hakeem S. Jeffries🏢 House$SCHD▲ Buy$15,001 - $50,0002021-04-12
Mikie Sherrill🏢 House$SCHD▲ Buy$100,001 - $250,0002020-02-21
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSAPSCHD
Forward yield4.45%3.46%
Annual dividend / share$2.00$1.06
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%0%
Portfolio after 10y$26.7K$29.0K
Annual income after 10y$591.10$425.95
Total dividends collected$5.2K$3.9K
Payment frequencyquarterlyquarterly
SectorStockETF

Year-by-year: USAP vs SCHD ($10,000, DRIP)

YearUSAP PortfolioUSAP Income/yrSCHD PortfolioSCHD Income/yrGap
1← crossover$11,145$444.54$11,226$346.36$81.00SCHD
2$12,388$463.01$12,572$357.38$184.00SCHD
3$13,736$480.99$14,046$367.84$310.00SCHD
4$15,196$498.44$15,660$377.73$464.00SCHD
5$16,775$515.35$17,425$387.07$650.00SCHD
6$18,481$531.68$19,354$395.86$873.00SCHD
7$20,322$547.43$21,461$404.13$1.1KSCHD
8$22,307$562.59$23,762$411.89$1.5KSCHD
9$24,446$577.14$26,272$419.15$1.8KSCHD
10$26,748$591.10$29,010$425.95$2.3KSCHD

USAP vs SCHD: Complete Analysis 2026

USAPStock

Universal Stainless & Alloy Products, Inc., together with its subsidiaries, manufactures and markets semi-finished and finished specialty steel products in the United States and internationally. Its products include stainless steel, nickel alloys, tool steel, and various other alloyed steels. The company offers semi-finished and finished long products in the form of ingots, billets, and bars; flat rolled products, such as slabs and plates; and customized shapes primarily for original equipment manufacturers (OEMs), which are cold rolled from purchased coiled strip, flat bar, or extruded bar. It also offers conversion services on materials supplied by its customers. The company's products are used in aerospace, power generation, oil and gas, heavy equipment, general, and industrial markets. It sells its products to service centers, forgers, rerollers, and OEMs. Universal Stainless & Alloy Products, Inc. was incorporated in 1994 and is headquartered in Bridgeville, Pennsylvania.

Full USAP Calculator →

SCHDETF

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100 Index.

Full SCHD 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.