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USB vs IBM: Dividend Comparison 2026

USB yields 4.00% · IBM yields 3.06% · See full DRIP projection below

vsEnter any two US tickers
After 10 years · $10,000 invested · DRIP enabled
🏆 USB wins by $429.00 in total portfolio value
10 years
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 →
IBM
International Business Machines
3.06%
Share price
$218.40
Annual div
$6.68
5Y div CAGR
1%
Payout ratio
64%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.6K
Annual income
$410.34
Full IBM calculator →

Portfolio growth — USB vs IBM

Annual dividend income

MetricUSBIBM
Forward yield4.00%3.06%
Annual dividend / share$2.00$6.68
Payout ratio50%64%
1-year div growth5%0.6%
5-year div CAGR5%1%
Portfolio after 10y$28.0K$27.6K
Annual income after 10y$899.19$410.34
Total dividends collected$6.4K$3.6K
Payment frequencyquarterlyquarterly
SectorFinancialsTechnology

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

YearUSB PortfolioUSB Income/yrIBM PortfolioIBM Income/yrGap
1$11,120$420.00$11,149$308.92$29.00IBM
2$12,357$458.31$12,406$320.90$49.00IBM
3$13,721$499.76$13,781$332.72$60.00IBM
4$15,227$544.58$15,283$344.36$56.00IBM
5$16,885$593.02$16,923$355.82$38.00IBM
6$18,713$645.34$18,711$367.09+$2.00USB
7$20,724$701.81$20,661$378.18+$63.00USB
8$22,938$762.73$22,786$389.09+$152.00USB
9$25,372$828.41$25,100$399.81+$272.00USB
10$28,047$899.19$27,618$410.34+$429.00USB

USB vs IBM: Complete Analysis 2026

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 →

IBMTechnology

IBM is a Dividend Aristocrat with 28+ consecutive years of increases. After spinning off its managed infrastructure business as Kyndryl in 2021, IBM refocused on hybrid cloud and AI. Its Red Hat acquisition underpins a software-led business model with higher margins and more predictable revenue growth.

Full IBM Calculator →

Frequently Asked Questions

Is USB or IBM better for dividend income in 2026?
USB currently offers a 4.00% yield (2.00/share/year) while IBM offers 3.06% (6.68/share/year). USB 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 USB vs IBM earn per year?
With $10,000 invested today: USB pays approximately $400/year. IBM pays approximately $306/year. With DRIP reinvestment over 10 years, these grow to $899/year (USB) and $410/year (IBM).
Does USB or IBM pay monthly dividends?
USB pays quarterly dividends. IBM 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.