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ADKT vs BTI: Dividend Comparison 2026

ADKT yields 5.15% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ADKT wins by $2.7K in total portfolio value· pulled ahead in Year 3
10 years
ADKT
ADKT
● Live price
5.15%
Share price
$575.00
Annual div
$29.63
5Y div CAGR
14.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.4K
Annual income
$3,602.07
Full ADKT calculator →
BTI
BTI
● Live price
5.38%
Share price
$58.47
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.7K
Annual income
$2,786.64
Full BTI calculator →

Portfolio growth — ADKT vs BTI

📍 ADKT pulled ahead of the other in Year 3

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 PeriodADKTBTI
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, ADKT + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ADKT pays
BTI pays
Both pay
Neither
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Tax Bracket Optimizer

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

ADKT
Annual income on $10K today (after 15% tax)
$438.01/yr
After 10yr DRIP, annual income (after tax)
$3,061.76/yr
BTI
Annual income on $10K today (after 15% tax)
$457.40/yr
After 10yr DRIP, annual income (after tax)
$2,368.64/yr
At 15% tax rate, ADKT beats the other by $693.12/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ADKT + BTI for your $10,000?

ADKT: 50%BTI: 50%
100% BTI50/50100% ADKT
Portfolio after 10yr
$39.0K
Annual income
$3,194.36/yr
Blended yield
8.18%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

ADKT
No analyst data
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.6% upside vs current
Range: $40.00 — $40.00
Altman Z
2.1
Piotroski
7/9
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)

ADKT buys
0
BTI buys
0
No recent congressional trades found for ADKT or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricADKTBTI
Forward yield5.15%5.38%
Annual dividend / share$29.63$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR14.1%11.3%
Portfolio after 10y$40.4K$37.7K
Annual income after 10y$3,602.07$2,786.64
Total dividends collected$16.7K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: ADKT vs BTI ($10,000, DRIP)

YearADKT PortfolioADKT Income/yrBTI PortfolioBTI Income/yrGap
1$11,288$587.96$11,299$598.92$11.00BTI
2$12,786$707.73$12,794$703.91$8.00BTI
3← crossover$14,536$854.84$14,518$829.07+$18.00ADKT
4$16,590$1,036.31$16,513$978.64+$77.00ADKT
5$19,012$1,261.22$18,827$1,157.84+$185.00ADKT
6$21,884$1,541.30$21,518$1,373.12+$366.00ADKT
7$25,308$1,891.86$24,657$1,632.46+$651.00ADKT
8$29,412$2,333.02$28,329$1,945.74+$1.1KADKT
9$34,363$2,891.32$32,637$2,325.33+$1.7KADKT
10$40,370$3,602.07$37,708$2,786.64+$2.7KADKT

ADKT vs BTI: Complete Analysis 2026

ADKTStock

The Adirondack Trust Company provides banking and financial services to individuals and businesses in New York. It offers checking and savings accounts, direct deposits, and reorder checks; home mortgage, home equity, home improvement, auto, personal, and term loans, as well as lines of credit, SBA lending products, construction and development financing, and commercial real estate loans; and fixed-rate and adjustable-rate mortgages, construction loans, home refinance, home equity loans, and home equity line of credit, as well as mortgages for first-time homebuyers. The company also provides debit and credit cards; overdraft checking services; mobile and online banking services; merchant processing services; mobile check deposits; wire transfer, night depository, and ACH origination services. In addition, it offers wealth management services, such as financial planning, investment management, and retirement planning, as well as estate and trust services; and insurance for auto, home, life, umbrella, renters, long-term care, and business industries. The Adirondack Trust Company was founded in 1901 and is based in Saratoga Springs, New York.

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BTIConsumer Staples

British American Tobacco p.l.c. provides tobacco and nicotine products to consumers in the Americas, Europe, the Asia-Pacific, the Middle East, Africa, and the United States. It offers vapour, heated, and modern oral nicotine products; combustible cigarettes; and traditional oral products, such as snus and moist snuff. The company provides its products under the Vuse, glo, Velo, Grizzly, Kodiak, Dunhill, Kent, Lucky Strike, Pall Mall, Rothmans, Newport, Natural American Spirit, and Camel brands. The company distributes its products to retail outlets. British American Tobacco p.l.c. was founded in 1902 and is based in London, the United Kingdom.

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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.