3 Quality Dividend Stocks Offering Up To 4.5% Yield

As Wall Street grapples with tariff uncertainties and tech stocks lead a market downturn, investors are increasingly seeking stability amidst volatility. In such an environment, dividend stocks that offer reliable yields can be appealing, providing a steady income stream even when market conditions are unpredictable.

Top 10 Dividend Stocks In The United States

Name	Dividend Yield	Dividend Rating
Columbia Banking System (NasdaqGS:COLB)	5.70%	★★★★★★
Interpublic Group of Companies (NYSE:IPG)	4.86%	★★★★★★
Douglas Dynamics (NYSE:PLOW)	4.63%	★★★★★★
Dillard's (NYSE:DDS)	7.19%	★★★★★★
Regions Financial (NYSE:RF)	6.45%	★★★★★★
Peoples Bancorp (NasdaqGS:PEBO)	5.22%	★★★★★★
Southside Bancshares (NYSE:SBSI)	4.84%	★★★★★★
First Interstate BancSystem (NasdaqGS:FIBK)	6.51%	★★★★★★
Citizens & Northern (NasdaqCM:CZNC)	5.47%	★★★★★★
Isabella Bank (OTCPK:ISBA)	4.66%	★★★★★★

Click here to see the full list of 148 stocks from our Top US Dividend Stocks screener.

Let's uncover some gems from our specialized screener.

Cathay General Bancorp (NasdaqGS:CATY)

Simply Wall St Dividend Rating: ★★★★★☆

Overview: Cathay General Bancorp is the holding company for Cathay Bank, providing a range of commercial banking products and services to individuals, professionals, and small to medium-sized businesses in the United States, with a market cap of approximately $3.18 billion.

Operations: Cathay General Bancorp generates revenue primarily from its banking segment, which accounted for $692.22 million.

Dividend Yield: 3%

Cathay General Bancorp recently declared a cash dividend of US$0.34 per share, maintaining its stable and reliable dividend history over the past decade. Despite a dip in net income to US$285.98 million for 2024, its dividends remain well-covered with a payout ratio of 34.3%, projected to decrease to 28.9% in three years, suggesting sustainability. The stock trades at good value compared to peers but offers a lower yield than top-tier U.S. dividend payers.

• Delve into the full analysis dividend report here for a deeper understanding of Cathay General Bancorp.
• Our valuation report unveils the possibility Cathay General Bancorp's shares may be trading at a discount.

TrustCo Bank Corp NY (NasdaqGS:TRST)

Simply Wall St Dividend Rating: ★★★★☆☆

Overview: TrustCo Bank Corp NY, with a market cap of $606.55 million, operates as the holding company for Trustco Bank, offering personal and business banking services to individuals and businesses.

Operations: TrustCo Bank Corp NY generates revenue from its Community Banking segment, amounting to $169.77 million.

Dividend Yield: 4.6%

TrustCo Bank Corp NY has consistently increased its dividends over the past decade, maintaining stability and reliability with a current yield of 4.57%. Despite trading at 56.3% below estimated fair value, its payout ratio of 56.1% indicates earnings coverage for dividends. Recent affirmations include a quarterly dividend of US$0.36 per share payable on April 1, 2025. However, insufficient data prevents assessment of future dividend sustainability or growth beyond three years.

• Unlock comprehensive insights into our analysis of TrustCo Bank Corp NY stock in this dividend report.
• Our expertly prepared valuation report TrustCo Bank Corp NY implies its share price may be lower than expected.

United Community Banks (NYSE:UCB)

Simply Wall St Dividend Rating: ★★★★★☆

Overview: United Community Banks, Inc. is a financial holding company for United Community Bank, offering a range of financial products and services across various sectors including commercial, retail, government, education, energy, health care, and real estate with a market cap of approximately $3.64 billion.

Operations: United Community Banks, Inc. generates revenue primarily through its Community Banking segment, which accounted for $901.17 million.

Dividend Yield: 3.2%

United Community Banks offers a stable dividend profile with a current yield of 3.17%, supported by a low payout ratio of 46%. Dividends have grown steadily over the past decade, and recent affirmations include a quarterly dividend of US$0.24 per share payable on April 4, 2025. Despite being below top-tier yields in the US market, its dividends are well-covered by earnings and forecasted to remain sustainable with future coverage at 37.3%.

• Take a closer look at United Community Banks' potential here in our dividend report.
• Our valuation report here indicates United Community Banks may be undervalued.

Make It Happen

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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