HomeCompareUSB vs PTC

USB vs PTC: Dividend Comparison 2026

USB yields 4.01% · PTC yields 1.43%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 USB wins by $19.1K 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 →
PTC
PTC
● Live price
1.43%
Share price
$139.66
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.7K
Annual income
$157.13
Full PTC calculator →

Portfolio growth — USB vs PTC

📍 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 PeriodUSBPTC
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 + PTC cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
USB pays
PTC 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
PTC
Annual income on $10K today (after 15% tax)
$121.72/yr
After 10yr DRIP, annual income (after tax)
$133.56/yr
At 15% tax rate, USB beats the other by $3,535.22/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

USB: 50%PTC: 50%
100% PTC50/50100% USB
Portfolio after 10yr
$31.3K
Annual income
$2,236.68/yr
Blended yield
7.14%
📊

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
PTC
Analyst Ratings
20
Buy
10
Hold
3
Sell
Consensus: Buy
Price Target
$204.83
+46.7% upside vs current
Range: $180.00 — $255.00
Altman Z
5.4
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
PTC buys
0
No recent congressional trades found for USB or PTC in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSBPTC
Forward yield4.01%1.43%
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$21.7K
Annual income after 10y$4,316.21$157.13
Total dividends collected$17.5K$1.5K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$60.14$204.83

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

YearUSB PortfolioUSB Income/yrPTC PortfolioPTC Income/yrGap
1← crossover$11,178$477.92$10,843$143.20+$335.00USB
2$12,556$595.13$11,747$145.12+$809.00USB
3$14,179$744.70$12,717$146.94+$1.5KUSB
4$16,109$936.88$13,755$148.65+$2.4KUSB
5$18,422$1,185.73$14,869$150.28+$3.6KUSB
6$21,222$1,510.62$16,061$151.81+$5.2KUSB
7$24,646$1,938.65$17,339$153.26+$7.3KUSB
8$28,880$2,508.17$18,707$154.63+$10.2KUSB
9$34,175$3,274.08$20,172$155.92+$14.0KUSB
10$40,884$4,316.21$21,742$157.13+$19.1KUSB

USB vs PTC: 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.

Full USB Calculator →

PTCStock

PTC Inc. operates as software and services company in the Americas, Europe, and the Asia Pacific. The company operates in two segments, Software Products and Professional Services. It offers ThingWorx platform, which offers a set of capabilities that enable enterprises to digitally transform every aspect of their business with innovative solutions that are simple to create, easy to implement, scalable to meet future needs, and designed to enable customers to accelerate time to value; and Vuforia, which enables the visualization of digital information in a physical context and the creation of AR. The company also provides Onshape, a software-as-a-service product development platform unites computer-aided design with data management, collaboration tools, and real-time analytics; Arena, a PLM solution enables product teams to collaborate virtually anytime and anywhere; Creo, a 3D CAD technology enables the digital design, testing, and modification of product models; and Windchill, a product lifecycle management software. In addition, it offers Integrity, an application lifecycle management solution; Servigistics, service parts management solution; and consulting, implementation, training, cloud, and license and support services. The company was formerly known as Parametric Technology Corporation and changed its name to PTC Inc. in January 2013. PTC Inc. was incorporated in 1985 and is headquartered in Boston, Massachusetts.

Full PTC Calculator →
📬

Get this USB vs PTC comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

USB vs SCHDUSB vs JEPIUSB vs OUSB vs KOUSB vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.