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CBOF vs BTI: Dividend Comparison 2026

CBOF yields 88.11% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CBOF wins by $2.33M in total portfolio value
10 years
CBOF
CBOF
● Live price
88.11%
Share price
$2.27
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$2.37M
Annual income
$731,873.50
Full CBOF 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 — CBOF vs BTI

📍 CBOF 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 PeriodCBOFBTI
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, CBOF + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
CBOF 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.

CBOF
Annual income on $10K today (after 15% tax)
$7,488.99/yr
After 10yr DRIP, annual income (after tax)
$622,092.48/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, CBOF beats the other by $619,723.83/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CBOF: 50%BTI: 50%
100% BTI50/50100% CBOF
Portfolio after 10yr
$1.20M
Annual income
$367,330.07/yr
Blended yield
30.56%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CBOF
No analyst data
Altman Z
0.1
Piotroski
5/9
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)

CBOF buys
0
BTI buys
0
No recent congressional trades found for CBOF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCBOFBTI
Forward yield88.11%5.38%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$2.37M$37.7K
Annual income after 10y$731,873.50$2,786.64
Total dividends collected$2.08M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCBOF PortfolioCBOF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$19,511$8,810.57$11,299$598.92+$8.2KCBOF
2$36,942$16,065.36$12,794$703.91+$24.1KCBOF
3$67,956$28,428.44$14,518$829.07+$53.4KCBOF
4$121,587$48,874.33$16,513$978.64+$105.1KCBOF
5$211,824$81,725.42$18,827$1,157.84+$193.0KCBOF
6$359,715$133,063.84$21,518$1,373.12+$338.2KCBOF
7$596,079$211,183.71$24,657$1,632.46+$571.4KCBOF
8$964,860$327,055.60$28,329$1,945.74+$936.5KCBOF
9$1,527,165$494,764.27$32,637$2,325.33+$1.49MCBOF
10$2,365,940$731,873.50$37,708$2,786.64+$2.33MCBOF

CBOF vs BTI: Complete Analysis 2026

CBOFStock

CBOA Financial, Inc. operates as the holding company for Commerce Bank of Arizona, Inc. that provides personal and business banking products and services in Arizona. The company offers checking and savings accounts; small business administration, business term, equipment, commercial real estate, and home mortgage loans, as well as lines of credit. It also provides electronic and telephone banking, remote deposit capture, ACH, wire, and merchant card services, as well as zero balance accounts and debit cards. The company was founded in 2002 and is based in Tucson, Arizona.

Full CBOF 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.