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USM vs IP: Dividend Comparison 2026

USM yields 2.60% · IP yields 5.29%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 IP wins by $1.1K in total portfolio value
10 years
USM
USM
● Live price
2.60%
Share price
$77.01
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.6K
Annual income
$307.09
Full USM calculator →
IP
IP
● Live price
5.29%
Share price
$35.00
Annual div
$1.85
5Y div CAGR
-10%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.7K
Annual income
$229.13
Full IP calculator →

Portfolio growth — USM vs IP

📍 IP 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 PeriodUSMIP
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, USM + IP cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
USM pays
IP pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

USM
Annual income on $10K today (after 15% tax)
$220.75/yr
After 10yr DRIP, annual income (after tax)
$261.03/yr
IP
Annual income on $10K today (after 15% tax)
$449.29/yr
After 10yr DRIP, annual income (after tax)
$194.76/yr
At 15% tax rate, USM beats the other by $66.27/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of USM + IP for your $10,000?

USM: 50%IP: 50%
100% IP50/50100% USM
Portfolio after 10yr
$24.1K
Annual income
$268.10/yr
Blended yield
1.11%
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Analyst Conviction Gap

Where Wall Street is most bullish on IP right now

USM
Analyst Ratings
4
Buy
5
Hold
1
Sell
Consensus: Hold
Price Target
$80.50
+4.5% upside vs current
Range: $75.00 — $86.00
Altman Z
2.1
Piotroski
5/9
IP
Analyst Ratings
12
Buy
9
Hold
8
Sell
Consensus: Buy
Price Target
$47.97
+37.1% upside vs current
Range: $40.00 — $57.80
Altman Z
1.1
Piotroski
3/9
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)

USM buys
0
IP buys
0
No recent congressional trades found for USM or IP in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUSMIP
Forward yield2.60%5.29%
Annual dividend / share$2.00$1.85
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%-10%
Portfolio after 10y$23.6K$24.7K
Annual income after 10y$307.09$229.13
Total dividends collected$2.8K$3.5K
Payment frequencyquarterlyquarterly
SectorStockMaterials
Analyst consensusHoldBuy
Analyst price target$80.50$47.97

Year-by-year: USM vs IP ($10,000, DRIP)

YearUSM PortfolioUSM Income/yrIP PortfolioIP Income/yrGap
1← crossover$10,960$259.71$11,176$475.71$216.00IP
2$11,993$266.01$12,405$447.18$412.00IP
3$13,104$272.04$13,691$417.51$587.00IP
4$14,300$277.81$15,037$387.58$737.00IP
5$15,584$283.32$16,448$358.05$864.00IP
6$16,963$288.56$17,928$329.42$965.00IP
7$18,444$293.56$19,485$302.02$1.0KIP
8$20,034$298.30$21,126$276.10$1.1KIP
9$21,739$302.81$22,856$251.78$1.1KIP
10$23,568$307.09$24,685$229.13$1.1KIP

USM vs IP: Complete Analysis 2026

USMStock

United States Cellular Corporation provides wireless telecommunications services in the United States. The company offers wireless services, including voice, messaging, and data services. It also provides devices, such as smartphones and other handsets, tablets, wearables, mobile hotspots, routers, and internet of things devices. In addition, the company offers various accessories, such as cases, screen protectors, chargers, and memory cards; and consumer electronics, including audio, home automation, and networking products; as well as offers option to purchase devices and accessories under installment contracts. Further, the company offers roaming, wireless eligible telecommunications carrier, and wireless tower rental services. It serves consumer, business, and government customers with 5.0 million connections, including 4.4 million postpaid, 0.5 million prepaid, and 0.1 million reseller and other connections in 21 states. The company provides its products and services through retail sales, direct sales, third-party national retailers, and independent agents, as well as e-commerce and telesales. The company was incorporated in 1983 and is headquartered in Chicago, Illinois. United States Cellular Corporation is a subsidiary of Telephone and Data Systems, Inc.

Full USM Calculator →

IPMaterials

International Paper Company operates as a packaging company primarily in United States, the Middle East, Europe, Africa, Pacific Rim, Asia, and rest of the Americas. It operates through two segments: Industrial Packaging and Global Cellulose Fibers. The Industrial Packaging segment manufactures containerboards, including linerboard, medium, whitetop, recycled linerboard, recycled medium, and saturating kraft. The Global Cellulose Fibers segment provides fluff, market, and specialty pulps that are used in absorbent hygiene products, such as baby diapers, feminine care, adult incontinence, and other non-woven products; tissue and paper products; and non-absorbent end applications, including textiles, filtration, construction material, paints and coatings, reinforced plastics, and other applications. It sells its products directly to end users and converters, as well as through agents, resellers, and paper distributors. The company was founded in 1898 and is headquartered in Memphis, Tennessee.

Full IP 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.