JPM vs USB: Dividend Yield, Growth & Safety Comparison
Jpmorgan Chase & Co (JPM) and Us Bancorp De (USB) are both in the Financials sector, making them natural rivals for dividend investors. USB offers a significantly higher 3.37% yield compared to JPM's 1.82%, a gap of 1.55%. For dividend growth, JPM leads with a 5-year CAGR of 18.6% versus USB's 3.8%. Both stocks carry a "Safe" dividend safety rating. USB is a Dividend Contender with 15 years of consecutive increases.
Key Metrics Comparison
| Metric | JPM | USB |
|---|
| Dividend Yield | 1.82% | 3.37% |
| Annual Dividend | $5.80 | $2.04 |
| 5-Year CAGR | 18.6% | 3.8% |
| Payout Ratio | 29% | 44% |
| Consecutive Years | 0 | 15 |
| Price | $301.96 | $57.63 |
Yield Comparison
Us Bancorp De (USB) currently yields 3.37%, which is solid for the broader market. That's 1.55% more than Jpmorgan Chase & Co (JPM), which yields 1.82%. In dollar terms, USB pays $2.04/share annually versus JPM's $5.80/share.
Dividend Growth
Over the past five years, JPM has grown its dividend at a 18.6% CAGR compared to USB's 3.8%. JPM: Dividend growth is accelerating — the 3-year CAGR of 34.9% exceeds the 5-year rate of 18.6% and the 10-year rate of 16.5%. USB: Dividend growth is slowing — the 3-year CAGR of 2.8% trails the 5-year rate of 3.8% and the 10-year rate of 7.4%.
Dividend Safety
JPM's dividend safety is rated "Safe." The payout ratio of 29% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 3.5x. USB's dividend safety is rated "Safe." The payout ratio of 44% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 2.3x. JPM's payout ratio of 29% is more conservative than USB's 44%, suggesting more room for future increases.
Income Comparison
A $10,000 investment in USB generates approximately $337/year in dividend income, compared to $182/year from JPM — a difference of $155/year. At $100,000, that gap widens to $1550/year.
Verdict
- Best for income: USB
- Best for growth: JPM
- Best for safety: JPM
Frequently Asked Questions
Which has a higher dividend yield, JPM or USB?
Us Bancorp De (USB) has a higher dividend yield of 3.37% compared to Jpmorgan Chase & Co (JPM) at 1.82%.
Is JPM or USB a better dividend growth stock?
Jpmorgan Chase & Co has the stronger dividend growth with a 5-year CAGR of 18.6%, compared to Us Bancorp De's 3.8%.
Which is safer for dividend income, JPM or USB?
Jpmorgan Chase & Co's dividend safety is rated "Safe" while Us Bancorp De is rated "Safe." The payout ratio of 29% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 3.5x. The payout ratio of 44% is well within sustainable levels, leaving room for future increases. Earnings cover the dividend 2.3x.
How much income does $10,000 in JPM vs USB generate?
A $10,000 investment in JPM generates approximately $182/year in dividends, while the same amount in USB generates about $337/year.
Is JPM or USB a Dividend Aristocrat?
Us Bancorp De is a Dividend Contender with 15 consecutive years of increases. Jpmorgan Chase & Co does not currently qualify for aristocrat status.
Which has a lower payout ratio, JPM or USB?
Jpmorgan Chase & Co has a lower payout ratio of 29% compared to Us Bancorp De's 44%. A lower payout ratio generally indicates more room for dividend growth and better sustainability.
JPM vs USB: which is better for retirement income?
It depends on your priorities. USB for current income, JPM for dividend growth, JPM for safety. Many retirement investors hold both for diversification.
JPM Dividend Analysis | USB Dividend Analysis | All Comparisons | Comparison Tool