HomeCompareUSB vs UNP

USB vs UNP: Dividend Comparison 2026

USB yields 4.01% · UNP yields 2.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UNP wins by $29.0K in total portfolio value· pulled ahead in Year 5
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 →
UNP
UNP
● Live price
2.29%
Share price
$239.23
Annual div
$5.48
5Y div CAGR
40.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$69.9K
Annual income
$18,474.89
Full UNP calculator →

Portfolio growth — USB vs UNP

📍 UNP pulled ahead of the other in Year 5

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 PeriodUSBUNP
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 + UNP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
USB pays
UNP 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
UNP
Annual income on $10K today (after 15% tax)
$194.71/yr
After 10yr DRIP, annual income (after tax)
$15,703.66/yr
At 15% tax rate, UNP beats the other by $12,034.88/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

USB: 50%UNP: 50%
100% UNP50/50100% USB
Portfolio after 10yr
$55.4K
Annual income
$11,395.56/yr
Blended yield
20.57%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on UNP 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
UNP
Analyst Ratings
1
Strong
27
Buy
18
Hold
1
Sell
Consensus: Buy
Price Target
$276.57
+15.6% upside vs current
Range: $245.00 — $311.00
Altman Z
3.9
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
UNP buys
7
PoliticianChamberTickerTypeAmountDate
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-02-19
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
John Boozman🏛 Senate$UNP▼ Sell$1,001 - $15,0002026-01-29
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$UNP▼ Sell$1,001 - $15,0002025-11-13
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$50,001 - $100,0002025-10-14
Scott Mr Franklin🏢 House$UNP▲ Buy$1,001 - $15,0002025-10-14
Ro Khanna🏢 House$UNP▼ Sell$1,001 - $15,0002025-09-05
Ro Khanna🏢 House$UNP▲ Buy$15,001 - $50,0002025-08-26
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSBUNP
Forward yield4.01%2.29%
Annual dividend / share$2.04$5.48
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.2%40.9%
Portfolio after 10y$40.9K$69.9K
Annual income after 10y$4,316.21$18,474.89
Total dividends collected$17.5K$44.9K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy
Analyst price target$60.14$276.57

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

YearUSB PortfolioUSB Income/yrUNP PortfolioUNP Income/yrGap
1$11,178$477.92$11,023$322.76+$155.00USB
2$12,556$595.13$12,263$468.48+$293.00USB
3$14,179$744.70$13,808$686.31+$371.00USB
4$16,109$936.88$15,792$1,017.59+$317.00USB
5← crossover$18,422$1,185.73$18,430$1,532.54$8.00UNP
6$21,222$1,510.62$22,075$2,355.20$853.00UNP
7$24,646$1,938.65$27,335$3,714.82$2.7KUNP
8$28,880$2,508.17$35,306$6,057.38$6.4KUNP
9$34,175$3,274.08$48,080$10,302.43$13.9KUNP
10$40,884$4,316.21$69,920$18,474.89$29.0KUNP

USB vs UNP: 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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UNPStock

Union Pacific Corporation, through its subsidiary, Union Pacific Railroad Company, operates in the railroad business in the United States. The company offers transportation services for grain and grain products, fertilizers, food and refrigerated products, and coal and renewables to grain processors, animal feeders, ethanol producers, and other agricultural users; petroleum, and liquid petroleum gases; and construction products, industrial chemicals, plastics, forest products, specialized products, metals and ores, soda ash, and sand, as well as finished automobiles, automotive parts, and merchandise in intermodal containers. As of December 31, 2021, its rail network included 32,452 route miles connecting Pacific Coast and Gulf Coast ports with the Midwest and Eastern United States gateways. The company was founded in 1862 and is headquartered in Omaha, Nebraska.

Full UNP 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.