HomeCompareANDC vs PM

ANDC vs PM: Dividend Comparison 2026

ANDC yields 3.80% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PM wins by $22.4K in total portfolio value
10 years
ANDC
ANDC
● Live price
3.80%
Share price
$20.00
Annual div
$0.76
5Y div CAGR
4.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.2K
Annual income
$778.87
Full ANDC calculator →
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM calculator →

Portfolio growth — ANDC vs PM

📍 PM 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 PeriodANDCPM
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, ANDC + PM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
ANDC pays
PM pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

ANDC
Annual income on $10K today (after 15% tax)
$323.00/yr
After 10yr DRIP, annual income (after tax)
$662.04/yr
PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/yr
At 15% tax rate, PM beats the other by $1,465.18/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of ANDC + PM for your $10,000?

ANDC: 50%PM: 50%
100% PM50/50100% ANDC
Portfolio after 10yr
$38.4K
Annual income
$1,640.75/yr
Blended yield
4.27%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

ANDC
No analyst data
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
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)

ANDC buys
0
PM buys
5
PoliticianChamberTickerTypeAmountDate
Julia Letlow🏢 House$PM▼ Sell$1,001 - $15,0002026-02-05
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-11-13
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▲ Buy$1,001 - $15,0002025-09-29
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-09-05
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-08-26
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-08-14
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-07-22
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricANDCPM
Forward yield3.80%3.49%
Annual dividend / share$0.76$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR4.3%17.2%
Portfolio after 10y$27.2K$49.6K
Annual income after 10y$778.87$2,502.61
Total dividends collected$5.7K$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: ANDC vs PM ($10,000, DRIP)

YearANDC PortfolioANDC Income/yrPM PortfolioPM Income/yrGap
1← crossover$11,096$396.34$11,650$409.56$554.00PM
2$12,302$428.69$13,592$497.49$1.3KPM
3$13,626$463.27$15,882$605.21$2.3KPM
4$15,080$500.20$18,589$737.41$3.5KPM
5$16,675$539.61$21,794$899.94$5.1KPM
6$18,424$581.63$25,597$1,100.16$7.2KPM
7$20,340$626.42$30,118$1,347.30$9.8KPM
8$22,438$674.11$35,505$1,652.97$13.1KPM
9$24,734$724.88$41,940$2,031.88$17.2KPM
10$27,244$778.87$49,643$2,502.61$22.4KPM

ANDC vs PM: Complete Analysis 2026

ANDCStock

Andover Bancorp, Inc. operates as the bank holding company for Andover Bank that provides commercial and retail banking products and services. The company offers savings and checking accounts, individual retirement accounts, and certificates of deposit. It also provides mortgage, construction, home equity, vehicle, and personal loans; term, commercial real estate, and small business administration loans; working capital lines of credit; loans for investment property, land development, acquisitions, and partnership buyouts, as well as equipment, municipal, and non-profit financing services; and debit and credit cards. In addition, the company provides overdraft protection, remote deposit capture, automatic account transfer and payments, cash management, lock box and safe deposit boxes, night deposit, retirement accounts, merchant card processing, and ACH and wire services; telephone, mobile, and online banking services; and investment and insurance products. It operates 10 branches in Andover, Ohio, as well as neighboring communities. Andover Bancorp, Inc. was founded in 1884 and is headquartered in Andover, Ohio.

Full ANDC Calculator →

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

Full PM Calculator →
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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.