HomeCompareUSB vs ZION

USB vs ZION: Dividend Comparison 2026

USB yields 4.01% · ZION yields 3.20%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 USB wins by $9.5K 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 →
ZION
ZION
● Live price
3.20%
Share price
$55.59
Annual div
$1.78
5Y div CAGR
14.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$31.4K
Annual income
$1,892.05
Full ZION calculator →

Portfolio growth — USB vs ZION

📍 USB 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 PeriodUSBZION
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 + ZION cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
USB pays
ZION 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
ZION
Annual income on $10K today (after 15% tax)
$272.17/yr
After 10yr DRIP, annual income (after tax)
$1,608.24/yr
At 15% tax rate, USB beats the other by $2,060.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

USB: 50%ZION: 50%
100% ZION50/50100% USB
Portfolio after 10yr
$36.1K
Annual income
$3,104.13/yr
Blended yield
8.59%
📊

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
ZION
Analyst Ratings
17
Buy
32
Hold
1
Sell
Consensus: Hold
Price Target
$67.00
+20.5% upside vs current
Range: $60.00 — $75.00
Altman Z
-0.6
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
ZION buys
0
No recent congressional trades found for USB or ZION in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSBZION
Forward yield4.01%3.20%
Annual dividend / share$2.04$1.78
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR19.2%14.7%
Portfolio after 10y$40.9K$31.4K
Annual income after 10y$4,316.21$1,892.05
Total dividends collected$17.5K$9.4K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyHold
Analyst price target$60.14$67.00

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

YearUSB PortfolioUSB Income/yrZION PortfolioZION Income/yrGap
1← crossover$11,178$477.92$11,067$367.27+$111.00USB
2$12,556$595.13$12,278$435.72+$278.00USB
3$14,179$744.70$13,655$518.16+$524.00USB
4$16,109$936.88$15,229$617.77+$880.00USB
5$18,422$1,185.73$17,034$738.54+$1.4KUSB
6$21,222$1,510.62$19,111$885.50+$2.1KUSB
7$24,646$1,938.65$21,514$1,065.02+$3.1KUSB
8$28,880$2,508.17$24,305$1,285.19+$4.6KUSB
9$34,175$3,274.08$27,563$1,556.42+$6.6KUSB
10$40,884$4,316.21$31,385$1,892.05+$9.5KUSB

USB vs ZION: 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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ZIONStock

Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.

Full ZION 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.