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USB vs MOS: Dividend Comparison 2026

USB yields 4.01% · MOS yields 3.52%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MOS wins by $930.01M in total portfolio value
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 →
MOS
MOS
● Live price
3.52%
Share price
$24.98
Annual div
$0.88
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$930.05M
Annual income
$881,952,038.58
Full MOS calculator →

Portfolio growth — USB vs MOS

📍 MOS 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 PeriodUSBMOS
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 + MOS cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
USB pays
MOS 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
MOS
Annual income on $10K today (after 15% tax)
$299.44/yr
After 10yr DRIP, annual income (after tax)
$749,659,232.79/yr
At 15% tax rate, MOS beats the other by $749,655,564.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

USB: 50%MOS: 50%
100% MOS50/50100% USB
Portfolio after 10yr
$465.04M
Annual income
$440,978,177.40/yr
Blended yield
94.83%
📊

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
MOS
Analyst Ratings
15
Buy
27
Hold
7
Sell
Consensus: Hold
Price Target
$33.80
+35.3% upside vs current
Range: $27.00 — $44.00
Altman Z
2.0
Piotroski
6/9
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
MOS buys
0
No recent congressional trades found for USB or MOS in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSBMOS
Forward yield4.01%3.52%
Annual dividend / share$2.04$0.88
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.2%100%
Portfolio after 10y$40.9K$930.05M
Annual income after 10y$4,316.21$881,952,038.58
Total dividends collected$17.5K$926.56M
Payment frequencyquarterlyquarterly
SectorFinancialsMaterials
Analyst consensusBuyHold
Analyst price target$60.14$33.80

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

YearUSB PortfolioUSB Income/yrMOS PortfolioMOS Income/yrGap
1← crossover$11,178$477.92$11,405$704.56$227.00MOS
2$12,556$595.13$13,705$1,501.91$1.1KMOS
3$14,179$744.70$18,038$3,373.54$3.9KMOS
4$16,109$936.88$27,600$8,299.26$11.5KMOS
5$18,422$1,185.73$53,268$23,735.99$34.8KMOS
6$21,222$1,510.62$142,624$85,627.61$121.4KMOS
7$24,646$1,938.65$581,146$428,538.38$556.5KMOS
8$28,880$2,508.17$3,885,667$3,263,840.61$3.86MMOS
9$34,175$3,274.08$44,947,834$40,790,171.07$44.91MMOS
10$40,884$4,316.21$930,046,221$881,952,038.58$930.01MMOS

USB vs MOS: 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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MOSMaterials

The Mosaic Company, through its subsidiaries, produces and markets concentrated phosphate and potash crop nutrients in North America and internationally. The company operates through three segments: Phosphates, Potash, and Mosaic Fertilizantes. It owns and operates mines, which produce concentrated phosphate crop nutrients, such as diammonium phosphate, monoammonium phosphate, and ammoniated phosphate products; and phosphate-based animal feed ingredients primarily under the Biofos and Nexfos brand names, as well as produces a double sulfate of potash magnesia product under K-Mag brand name. The company also produces and sells potash for use in the manufacturing of mixed crop nutrients and animal feed ingredients, and for industrial use; and for use in the de-icing and as a water softener regenerant. In addition, it provides nitrogen-based crop nutrients, animal feed ingredients, and other ancillary services; and purchases and sells phosphates, potash, and nitrogen products. The company sells its products to wholesale distributors, retail chains, farmers, cooperatives, independent retailers, and national accounts. The Mosaic Company was incorporated in 2004 and is headquartered in Tampa, Florida.

Full MOS 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.