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USB vs NOW: Dividend Comparison 2026

USB yields 4.01% · NOW yields 1.91%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 USB wins by $18.4K 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 →
NOW
NOW
● Live price
1.91%
Share price
$104.97
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.5K
Annual income
$215.52
Full NOW calculator →

Portfolio growth — USB vs NOW

📍 USB pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodUSBNOW
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 + NOW cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
USB pays
NOW 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
NOW
Annual income on $10K today (after 15% tax)
$161.95/yr
After 10yr DRIP, annual income (after tax)
$183.19/yr
At 15% tax rate, USB beats the other by $3,485.59/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

USB: 50%NOW: 50%
100% NOW50/50100% USB
Portfolio after 10yr
$31.7K
Annual income
$2,265.87/yr
Blended yield
7.15%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on NOW 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
NOW
Analyst Ratings
58
Buy
8
Hold
1
Sell
Consensus: Buy
Price Target
$196.29
+87.0% upside vs current
Range: $115.00 — $263.00
Altman Z
6.1
Piotroski
4/9
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
NOW buys
0
No recent congressional trades found for USB or NOW in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSBNOW
Forward yield4.01%1.91%
Annual dividend / share$2.04$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.2%0%
Portfolio after 10y$40.9K$22.5K
Annual income after 10y$4,316.21$215.52
Total dividends collected$17.5K$2.0K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$60.14$196.29

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

YearUSB PortfolioUSB Income/yrNOW PortfolioNOW Income/yrGap
1← crossover$11,178$477.92$10,891$190.53+$287.00USB
2$12,556$595.13$11,847$193.92+$709.00USB
3$14,179$744.70$12,873$197.15+$1.3KUSB
4$16,109$936.88$13,975$200.22+$2.1KUSB
5$18,422$1,185.73$15,156$203.13+$3.3KUSB
6$21,222$1,510.62$16,423$205.89+$4.8KUSB
7$24,646$1,938.65$17,781$208.50+$6.9KUSB
8$28,880$2,508.17$19,236$210.97+$9.6KUSB
9$34,175$3,274.08$20,796$213.31+$13.4KUSB
10$40,884$4,316.21$22,468$215.52+$18.4KUSB

USB vs NOW: 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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NOWStock

ServiceNow, Inc. provides enterprise cloud computing solutions that defines, structures, consolidates, manages, and automates services for enterprises worldwide. It operates the Now platform for workflow automation, artificial intelligence, machine learning, robotic process automation, performance analytics, electronic service catalogs and portals, configuration management systems, data benchmarking, encryption, and collaboration and development tools. The company also provides information technology (IT) service management applications; IT service management product suite for enterprise's employees, customers, and partners; IT business management product suite; IT operations management product that connects a customer's physical and cloud-based IT infrastructure; IT Asset Management to automate IT asset lifecycles; and security operations that connects with internal and third party. In addition, it offers governance, risk, and compliance product to manage risk and resilience; human resources, legal, and workplace service delivery products; safe workplace applications; customer service management product; and field service management applications. Further, it provides App Engine product; IntegrationHub enables application to extend workflows; and professional, industry solutions, and customer support services. It serves government, financial services, healthcare, telecommunications, manufacturing, IT services, technology, oil and gas, education, and consumer products through direct sales team and resale partners. It has a strategic partnership with Celonis to help customers identify and prioritize processes that are suitable for automation. The company was formerly known as Service-now.com and changed its name to ServiceNow, Inc. in May 2012. The company was founded in 2004 and is headquartered in Santa Clara, California.

Full NOW 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.