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AMRB vs MO: Dividend Comparison 2026

AMRB yields 24.75% · MO yields 6.36%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 AMRB wins by $17.2K in total portfolio value
10 years
AMRB
AMRB
● Live price
24.75%
Share price
$20.91
Annual div
$5.18
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$97.3K
Annual income
$10,874.44
Full AMRB calculator →
MO
Altria Group Inc.
● Live price
6.36%
Share price
$65.99
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$80.1K
Annual income
$30,159.17
Full MO calculator →

Portfolio growth — AMRB vs MO

📍 AMRB 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 PeriodAMRBMO
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, AMRB + MO cover 0 of 12 monthsgood coverage

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

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

AMRB
Annual income on $10K today (after 15% tax)
$2,103.77/yr
After 10yr DRIP, annual income (after tax)
$9,243.27/yr
MO
Annual income on $10K today (after 15% tax)
$540.99/yr
After 10yr DRIP, annual income (after tax)
$25,635.29/yr
At 15% tax rate, MO beats the other by $16,392.02/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of AMRB + MO for your $10,000?

AMRB: 50%MO: 50%
100% MO50/50100% AMRB
Portfolio after 10yr
$88.7K
Annual income
$20,516.80/yr
Blended yield
23.13%
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Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

AMRB
Analyst Ratings
4
Hold
Consensus: Hold
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-7.2% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
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)

AMRB buys
0
MO buys
0
No recent congressional trades found for AMRB or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricAMRBMO
Forward yield24.75%6.36%
Annual dividend / share$5.18$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%22.6%
Portfolio after 10y$97.3K$80.1K
Annual income after 10y$10,874.44$30,159.17
Total dividends collected$61.3K$74.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

Year-by-year: AMRB vs MO ($10,000, DRIP)

YearAMRB PortfolioAMRB Income/yrMO PortfolioMO Income/yrGap
1← crossover$13,175$2,475.03$10,570$780.30+$2.6KAMRB
2$17,145$3,047.53$11,381$1,032.90+$5.8KAMRB
3$22,051$3,706.34$12,535$1,392.73+$9.5KAMRB
4$28,050$4,455.15$14,193$1,920.91+$13.9KAMRB
5$35,310$5,296.37$16,618$2,723.68+$18.7KAMRB
6$44,013$6,231.00$20,263$3,993.80+$23.8KAMRB
7$54,352$7,258.63$25,936$6,098.36+$28.4KAMRB
8$66,534$8,377.42$35,166$9,775.01+$31.4KAMRB
9$80,776$9,584.17$51,026$16,597.78+$29.8KAMRB
10$97,304$10,874.44$80,113$30,159.17+$17.2KAMRB

AMRB vs MO: Complete Analysis 2026

AMRBStock

American River Bankshares operates as a bank holding company, which engages in financial services. The company is headquartered in Rancho Cordova, California and currently employs 104 full-time employees. The firm's banking subsidiary is American River Bank (the Bank). The Bank's primary business is serving the commercial banking needs of small to mid-sized businesses. The Bank accepts checking and savings deposits; offers money market deposit accounts and certificates of deposit; makes secured and unsecured commercial loans, secured real estate loans, and other installment and term loans, and offers other customary banking services. The Bank also conducts lease financing for various types of business equipment, from computer software to heavy earth-moving equipment. The company serves various communities located in Sacramento, Placer, Yolo, El Dorado, Sonoma and Amador counties. The company also serves Alameda, Contra Costa and Santa Clara Counties through loan production offices located in the Cities of San Jose and San Ramon. Its loans include real estate construction loans; lease financing receivable; agriculture loans, and consumer loans.

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MOConsumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

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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.