Is ZION or XOM a better dividend investment in 2026?

ZION currently yields 3.20% with a 5% 5-year dividend growth rate. XOM yields 3.58% with 3.5% growth. The better choice depends on your goal: XOM offers higher current income.

What is the dividend yield difference between ZION and XOM?

ZION has a forward dividend yield of 3.20% ($1.78/share annually). XOM yields 3.58% ($3.88/share annually). The yield gap is 0.38 percentage points.

Home › Compare › ZION vs XOM

ZION vs XOM: Dividend Comparison 2026

ZION yields 3.20% · XOM yields 3.58%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 XOM wins by $15.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

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 →

XOM

Exxon Mobil Corporation

● Live price

3.58%

Share price

$108.50

Annual div

$3.88

5Y div CAGR

3.5%

Payout ratio

44%

After 10 yrs · $10,000 · DRIP

Portfolio value

$46.7K

Annual income

$616.62

Full XOM calculator →

Portfolio growth — ZION vs XOM

📍 XOM pulled ahead of the other in Year 1

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 Period	ZION	XOM
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, ZION + XOM cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ZION pays

XOM 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

XOM

Annual income on $10K today (after 15% tax)

$303.96/yr

After 10yr DRIP, annual income (after tax)

$524.13/yr

At 15% tax rate, ZION beats the other by $1,084.12/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

ZION: 50%XOM: 50%

100% XOM50/50100% ZION

Portfolio after 10yr

$39.1K

Annual income

$1,254.33/yr

Blended yield

3.21%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on XOM right now

ZION

Analyst Ratings

Buy

Hold

Sell

Consensus: Hold

Price Target

$67.00

+20.5% upside vs current

Range: $60.00 — $75.00

Altman Z

-0.6

Piotroski

6/9

XOM

Analyst Ratings

Strong

Buy

Hold

Sell

Consensus: Hold

Price Target

$146.77

+35.3% upside vs current

Range: $123.00 — $183.00

Altman Z

4.9

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

XOM buys

No recent congressional trades found for ZION or XOM in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricZIONXOM

Forward yield	3.20%	3.58% ✓
Annual dividend / share	$1.78	$3.88 ✓
Payout ratio	50%	44% ✓
1-year div growth	0%	4% ✓
5-year div CAGR	14.7% ✓	3.5%
Portfolio after 10y	$31.4K	$46.7K ✓
Annual income after 10y	$1,892.05 ✓	$616.62
Total dividends collected	$9.4K ✓	$4.9K
Payment frequency	quarterly	quarterly
Sector	Stock	Energy
Analyst consensus	Hold	Hold
Analyst price target	$67.00	$146.77 ✓

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

Year	ZION Portfolio	ZION Income/yr	XOM Portfolio	XOM Income/yr	Gap
1← crossover	$11,067	$367.27	$11,790	$370.12	$723.00 → XOM
2	$12,278	$435.72	$13,860	$395.49	$1.6K → XOM
3	$13,655	$518.16	$16,249	$421.35	$2.6K → XOM
4	$15,229	$617.77	$19,004	$447.71	$3.8K → XOM
5	$17,034	$738.54	$22,178	$474.56	$5.1K → XOM
6	$19,111	$885.50	$25,829	$501.91	$6.7K → XOM
7	$21,514	$1,065.02	$30,026	$529.77	$8.5K → XOM
8	$24,305	$1,285.19	$34,848	$558.16	$10.5K → XOM
9	$27,563	$1,556.42	$40,383	$587.10	$12.8K → XOM
10	$31,385	$1,892.05	$46,735	$616.62	$15.3K → XOM

ZION vs XOM: Complete Analysis 2026

ZION — Stock

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 →

XOM — Energy

ExxonMobil is a Dividend Aristocrat with 42+ consecutive years of dividend increases. The world's largest publicly traded oil company benefits from integrated operations across upstream, downstream, and chemicals. Its acquisition of Pioneer Natural Resources in 2024 significantly expanded its low-cost Permian Basin production.

Full XOM Calculator →

📬

Get this ZION vs XOM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

ZION vs SCHD ZION vs JEPI ZION vs O ZION vs KO ZION vs MAIN ZION vs CVX ZION vs COP ZION vs OXY

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.