HomeCompareUSB vs PBCT

USB vs PBCT: Dividend Comparison 2026

USB yields 4.01% · PBCT yields 68.97%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PBCT wins by $4.11M 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 →
PBCT
PBCT
● Live price
68.97%
Share price
$19.41
Annual div
$13.39
5Y div CAGR
7.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.15M
Annual income
$1,740,349.80
Full PBCT calculator →

Portfolio growth — USB vs PBCT

📍 PBCT 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 PeriodUSBPBCT
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, USB + PBCT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
USB pays
PBCT 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
PBCT
Annual income on $10K today (after 15% tax)
$5,862.71/yr
After 10yr DRIP, annual income (after tax)
$1,479,297.33/yr
At 15% tax rate, PBCT beats the other by $1,475,628.55/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

USB: 50%PBCT: 50%
100% PBCT50/50100% USB
Portfolio after 10yr
$2.09M
Annual income
$872,333.01/yr
Blended yield
41.64%
📊

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
PBCT
Analyst Ratings
2
Buy
18
Hold
3
Sell
Consensus: Hold
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
PBCT buys
0
No recent congressional trades found for USB or PBCT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSBPBCT
Forward yield4.01%68.97%
Annual dividend / share$2.04$13.39
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.2%7.5%
Portfolio after 10y$40.9K$4.15M
Annual income after 10y$4,316.21$1,740,349.80
Total dividends collected$17.5K$3.79M
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyHold

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

YearUSB PortfolioUSB Income/yrPBCT PortfolioPBCT Income/yrGap
1← crossover$11,178$477.92$18,115$7,414.60$6.9KPBCT
2$12,556$595.13$32,877$13,494.02$20.3KPBCT
3$14,179$744.70$59,783$24,605.07$45.6KPBCT
4$16,109$936.88$108,919$44,951.07$92.8KPBCT
5$18,422$1,185.73$198,822$82,279.18$180.4KPBCT
6$21,222$1,510.62$363,636$150,895.63$342.4KPBCT
7$24,646$1,938.65$666,360$277,269.67$641.7KPBCT
8$28,880$2,508.17$1,223,474$510,469.01$1.19MPBCT
9$34,175$3,274.08$2,250,747$941,629.40$2.22MPBCT
10$40,884$4,316.21$4,148,649$1,740,349.80$4.11MPBCT

USB vs PBCT: 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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PBCTStock

People's United Financial, Inc. operates as the bank holding company for People's United Bank, National Association that provides commercial banking, retail banking, and wealth management services to individual, corporate, and municipal customers. The company offers commercial deposit products, commercial real estate lending, middle market and business banking, equipment financing, mortgage warehouse and asset-based lending, treasury management services, and capital market capabilities. It also provides consumer lending, including residential mortgage and home equity lending; and consumer deposit gathering services. In addition, the company offers brokerage, financial and investment advisory, investment management, life insurance, financial management and planning, and non-institutional trust services, as well as cash management, municipal banking, online banking, investment trading, and telephone banking services. As of March 04, 2022, it operated approximately 400 retail locations in Connecticut, New York, Massachusetts, Vermont, New Hampshire, and Maine. The company also operates 562 ATMs. People's United Financial, Inc. was founded in 1842 and is headquartered in Bridgeport, Connecticut. As of April 1, 2022, People's United Financial, Inc. operates as a subsidiary of M&T Bank Corporation.

Full PBCT 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.