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ZION vs USM: Dividend Comparison 2026

ZION yields 3.20% · USM yields 2.60%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ZION wins by $7.8K in total portfolio value
10 years
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 →
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 — ZION vs USM

📍 ZION 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 PeriodZIONUSM
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%.
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Dividend Calendar Overlap

Combined, ZION + USM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

ZION
Annual income on $10K today (after 15% tax)
$272.17/yr
After 10yr DRIP, annual income (after tax)
$1,608.24/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, ZION beats the other by $1,347.22/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ZION: 50%USM: 50%
100% USM50/50100% ZION
Portfolio after 10yr
$27.5K
Annual income
$1,099.56/yr
Blended yield
4.00%
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Analyst Conviction Gap

Where Wall Street is most bullish on ZION right now

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
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)

ZION buys
0
USM buys
0
No recent congressional trades found for ZION or USM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricZIONUSM
Forward yield3.20%2.60%
Annual dividend / share$1.78$2.00
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.7%0%
Portfolio after 10y$31.4K$23.6K
Annual income after 10y$1,892.05$307.09
Total dividends collected$9.4K$2.8K
Payment frequencyquarterlyquarterly
SectorStockStock
Analyst consensusHoldHold
Analyst price target$67.00$80.50

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

YearZION PortfolioZION Income/yrUSM PortfolioUSM Income/yrGap
1← crossover$11,067$367.27$10,960$259.71+$107.00ZION
2$12,278$435.72$11,993$266.01+$285.00ZION
3$13,655$518.16$13,104$272.04+$551.00ZION
4$15,229$617.77$14,300$277.81+$929.00ZION
5$17,034$738.54$15,584$283.32+$1.4KZION
6$19,111$885.50$16,963$288.56+$2.1KZION
7$21,514$1,065.02$18,444$293.56+$3.1KZION
8$24,305$1,285.19$20,034$298.30+$4.3KZION
9$27,563$1,556.42$21,739$302.81+$5.8KZION
10$31,385$1,892.05$23,568$307.09+$7.8KZION

ZION vs USM: Complete Analysis 2026

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.

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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.