HomeCompareBNCC vs BTI

BNCC vs BTI: Dividend Comparison 2026

BNCC yields 6.34% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $7.4K in total portfolio value· pulled ahead in Year 3
10 years
BNCC
BNCC
● Live price
6.34%
Share price
$35.48
Annual div
$2.25
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$30.4K
Annual income
$949.57
Full BNCC calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — BNCC vs BTI

📍 BTI 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 PeriodBNCCBTI
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, BNCC + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

BNCC
Annual income on $10K today (after 15% tax)
$539.04/yr
After 10yr DRIP, annual income (after tax)
$807.13/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, BTI beats the other by $1,574.81/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

BNCC: 50%BTI: 50%
100% BTI50/50100% BNCC
Portfolio after 10yr
$34.1K
Annual income
$1,875.92/yr
Blended yield
5.50%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

BNCC
No analyst data
Altman Z
0.5
Piotroski
6/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% 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)

BNCC buys
0
BTI buys
0
No recent congressional trades found for BNCC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricBNCCBTI
Forward yield6.34%5.40%
Annual dividend / share$2.25$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$30.4K$37.8K
Annual income after 10y$949.57$2,802.29
Total dividends collected$8.0K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearBNCC PortfolioBNCC Income/yrBTI PortfolioBTI Income/yrGap
1$11,334$634.16$11,301$601.08+$33.00BNCC
2$12,799$671.75$12,799$706.58$0.00BTI
3← crossover$14,404$708.95$14,527$832.38$123.00BTI
4$16,158$745.65$16,527$982.75$369.00BTI
5$18,071$781.73$18,846$1,162.95$775.00BTI
6$20,153$817.07$21,545$1,379.49$1.4KBTI
7$22,415$851.60$24,694$1,640.41$2.3KBTI
8$24,870$885.23$28,378$1,955.69$3.5KBTI
9$27,528$917.90$32,702$2,337.79$5.2KBTI
10$30,405$949.57$37,794$2,802.29$7.4KBTI

BNCC vs BTI: Complete Analysis 2026

BNCCStock

BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The company offers commercial banking services, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. It also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct channel, as well as a retail channel. In addition, the company offers wealth management solutions, including 401(k) and other retirement plans, trust services, and personal wealth advisory services. It offers community banking and wealth management services through 11 locations in Arizona and North Dakota; and mortgage banking services through 9 locations in Arizona, North Dakota, Illinois, Kansas, and Michigan. The company was incorporated in 1987 and is headquartered in Bismarck, North Dakota.

Full BNCC Calculator →

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.