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XOM vs USM: Dividend Comparison 2026

XOM yields 2.36% · USM yields 2.60%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 XOM wins by $24.1K in total portfolio value
10 years
XOM
Exxon Mobil Corporation
● Live price
2.36%
Share price
$171.52
Annual div
$4.04
5Y div CAGR
14.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$47.7K
Annual income
$1,106.42
Full XOM calculator →
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 →

Portfolio growth — XOM vs USM

📍 XOM 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 PeriodXOMUSM
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, XOM + USM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

XOM
Annual income on $10K today (after 15% tax)
$200.21/yr
After 10yr DRIP, annual income (after tax)
$940.46/yr
USM
Annual income on $10K today (after 15% tax)
$220.75/yr
After 10yr DRIP, annual income (after tax)
$261.03/yr
At 15% tax rate, XOM beats the other by $679.43/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

XOM: 50%USM: 50%
100% USM50/50100% XOM
Portfolio after 10yr
$35.6K
Annual income
$706.75/yr
Blended yield
1.98%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on XOM right now

XOM
Analyst Ratings
1
Strong
22
Buy
26
Hold
5
Sell
Consensus: Hold
Price Target
$146.77
-14.4% upside vs current
Range: $123.00 — $183.00
Altman Z
4.9
Piotroski
5/9
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
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)

XOM buys
0
USM buys
0
No recent congressional trades found for XOM or USM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricXOMUSM
Forward yield2.36%2.60%
Annual dividend / share$4.04$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.3%0%
Portfolio after 10y$47.7K$23.6K
Annual income after 10y$1,106.42$307.09
Total dividends collected$6.0K$2.8K
Payment frequencyquarterlyquarterly
SectorEnergyStock
Analyst consensusHoldHold
Analyst price target$146.77$80.50

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

YearXOM PortfolioXOM Income/yrUSM PortfolioUSM Income/yrGap
1← crossover$11,689$269.22$10,960$259.71+$729.00XOM
2$13,664$314.98$11,993$266.01+$1.7KXOM
3$15,973$368.51$13,104$272.04+$2.9KXOM
4$18,672$431.16$14,300$277.81+$4.4KXOM
5$21,828$504.46$15,584$283.32+$6.2KXOM
6$25,518$590.24$16,963$288.56+$8.6KXOM
7$29,832$690.62$18,444$293.56+$11.4KXOM
8$34,876$808.09$20,034$298.30+$14.8KXOM
9$40,774$945.55$21,739$302.81+$19.0KXOM
10$47,671$1,106.42$23,568$307.09+$24.1KXOM

XOM vs USM: Complete Analysis 2026

XOMEnergy

Exxon Mobil Corporation explores for and produces crude oil and natural gas in the United States and internationally. It operates through Upstream, Downstream, and Chemical segments. The company is also involved in the manufacture, trade, transport, and sale of crude oil, natural gas, petroleum products, petrochemicals, and other specialty products; manufactures and sells petrochemicals, including olefins, polyolefins, aromatics, and various other petrochemicals; and captures and stores carbon, hydrogen, and biofuels. As of December 31, 2021, it had approximately 20,528 net operated wells with proved reserves. The company was founded in 1870 and is headquartered in Irving, Texas.

Full XOM Calculator →

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 →
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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.