HomeCompareUSB vs MCO

USB vs MCO: Dividend Comparison 2026

USB yields 4.01% · MCO yields 0.89%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MCO wins by $166.3K in total portfolio value· pulled ahead in Year 6
10 years
USB
USB
● Live price
4.01%
Share price
$50.88
Annual div
$2.04
5Y div CAGR
19.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.9K
Annual income
$4,316.21
Full USB calculator →
MCO
MCO
● Live price
0.89%
Share price
$432.05
Annual div
$3.85
5Y div CAGR
74.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$207.2K
Annual income
$113,279.94
Full MCO calculator →

Portfolio growth — USB vs MCO

📍 MCO pulled ahead of the other in Year 6

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 PeriodUSBMCO
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%.
📅

Dividend Calendar Overlap

Combined, USB + MCO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

USB
Annual income on $10K today (after 15% tax)
$340.80/yr
After 10yr DRIP, annual income (after tax)
$3,668.78/yr
MCO
Annual income on $10K today (after 15% tax)
$75.74/yr
After 10yr DRIP, annual income (after tax)
$96,287.95/yr
At 15% tax rate, MCO beats the other by $92,619.17/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of USB + MCO for your $10,000?

USB: 50%MCO: 50%
100% MCO50/50100% USB
Portfolio after 10yr
$124.0K
Annual income
$58,798.08/yr
Blended yield
47.41%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on USB right now

USB
Analyst Ratings
1
Strong
23
Buy
22
Hold
3
Sell
Consensus: Buy
Price Target
$60.14
+18.2% upside vs current
Range: $52.00 — $66.00
Altman Z
-0.3
Piotroski
6/9
MCO
Analyst Ratings
18
Buy
13
Hold
1
Sell
Consensus: Buy
Price Target
$543.08
+25.7% upside vs current
Range: $480.00 — $620.00
Altman Z
5.3
Piotroski
8/9
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)

USB buys
0
MCO buys
0
No recent congressional trades found for USB or MCO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSBMCO
Forward yield4.01%0.89%
Annual dividend / share$2.04$3.85
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.2%74.8%
Portfolio after 10y$40.9K$207.2K
Annual income after 10y$4,316.21$113,279.94
Total dividends collected$17.5K$178.5K
Payment frequencyquarterlyquarterly
SectorFinancialsFinancials
Analyst consensusBuyBuy
Analyst price target$60.14$543.08

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

YearUSB PortfolioUSB Income/yrMCO PortfolioMCO Income/yrGap
1$11,178$477.92$10,856$155.76+$322.00USB
2$12,556$595.13$11,892$276.24+$664.00USB
3$14,179$744.70$13,219$494.35+$960.00USB
4$16,109$936.88$15,042$897.70+$1.1KUSB
5$18,422$1,185.73$17,763$1,668.77+$659.00USB
6← crossover$21,222$1,510.62$22,226$3,219.45$1.0KMCO
7$24,646$1,938.65$30,363$6,580.83$5.7KMCO
8$28,880$2,508.17$47,175$14,686.41$18.3KMCO
9$34,175$3,274.08$87,754$37,276.83$53.6KMCO
10$40,884$4,316.21$207,177$113,279.94$166.3KMCO

USB vs MCO: Complete Analysis 2026

USBFinancials

U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities and other financial institutions in the United States. It operates in Corporate and Commercial Banking, Consumer and Business Banking, Wealth Management and Investment Services, Payment Services, and Treasury and Corporate Support segments. The company offers depository services, including checking accounts, savings accounts, and time certificate contracts; lending services, such as traditional credit products; and credit card services, lease financing and import/export trade, asset-backed lending, agricultural finance, and other products. It also provides ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers; and a range of asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations. In addition, the company offers investment and insurance products to its customers principally within its markets, as well as fund administration services to a range of mutual and other funds. Further, it provides corporate and purchasing card, and corporate trust services; and merchant processing services, as well as investment management, ATM processing, mortgage banking, insurance, and brokerage and leasing services. As of December 31, 2021, the company provided its products and services through a network of 2,230 banking offices principally operating in the Midwest and West regions of the United States, as well as through on-line services, over mobile devices, and other distribution channels; and operated a network of 4,059 ATMs. The company was founded in 1863 and is headquartered in Minneapolis, Minnesota.

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MCOFinancials

Moody's Corporation operates as an integrated risk assessment firm worldwide. It operates in two segments, Moody's Investors Service and Moody's Analytics. The Moody's Investors Service segment publishes credit ratings and provides assessment services on various debt obligations, programs and facilities, and entities that issue such obligations, such as various corporate, financial institution, and governmental obligations, as well as and structured finance securities. This segment provides ratings in approximately 140 countries. Its ratings are disseminated through press releases to the public through electronic media, including the internet and real-time information systems used by securities traders and investors. This segment has rated approximately 5,000 non-financial corporates; 3,600 financial institutions; 16,000 public finance issuers; 145 sovereigns; 47 supranational institutions; 459 sub-sovereigns; and 1,000 infrastructure and project finance issuers, as well as 9,100 structured finance deals. The Moody's Analytics segment develops a range of products and services that support the risk management activities of institutional participants in financial markets; and offers subscription based research, data, and analytical products comprising credit ratings, credit research, quantitative credit scores and other analytical tools, economic research and forecasts, business intelligence and company information products, commercial real estate data and analytical tools, and on-line and classroom-based training services, as well as credentialing and certification services. It also offers offshore analytical and research services with learning solutions and certification programs; and software solutions, as well as related risk management services. The company was formerly known as Dun and Bradstreet Company and changed its name to Moody's Corporation in September 2000. Moody's Corporation was founded in 1900 and is headquartered in New York, New York.

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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.