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CCFC vs BTI: Dividend Comparison 2026

CCFC yields 16.46% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $15.2K in total portfolio value· pulled ahead in Year 2
10 years
CCFC
CCFC
● Live price
16.46%
Share price
$12.15
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.6K
Annual income
$1.85
Full CCFC 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 — CCFC vs BTI

📍 BTI pulled ahead of the other in Year 2

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 PeriodCCFCBTI
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%.
📅

Dividend Calendar Overlap

Combined, CCFC + BTI cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

CCFC
Annual income on $10K today (after 15% tax)
$1,399.18/yr
After 10yr DRIP, annual income (after tax)
$1.57/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 $2,380.37/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CCFC: 50%BTI: 50%
100% BTI50/50100% CCFC
Portfolio after 10yr
$30.2K
Annual income
$1,402.07/yr
Blended yield
4.64%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CCFC
No analyst data
Altman Z
0.2
Piotroski
2/9
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)

CCFC buys
0
BTI buys
0
No recent congressional trades found for CCFC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCCFCBTI
Forward yield16.46% ✓5.40%
Annual dividend / share$2.00$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%11.3% ✓
Portfolio after 10y$22.6K$37.8K ✓
Annual income after 10y$1.85$2,802.29 ✓
Total dividends collected$1.7K$14.4K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCCFC PortfolioCCFC Income/yrBTI PortfolioBTI Income/yrGap
1$11,523$823.05$11,301$601.08+$222.00 → CCFC
2← crossover$12,773$443.18$12,799$706.58$26.00 → BTI
3$13,896$229.55$14,527$832.38$631.00 → BTI
4$14,986$116.70$16,527$982.75$1.5K → BTI
5$16,094$58.81$18,846$1,162.95$2.8K → BTI
6$17,250$29.51$21,545$1,379.49$4.3K → BTI
7$18,472$14.78$24,694$1,640.41$6.2K → BTI
8$19,773$7.40$28,378$1,955.69$8.6K → BTI
9$21,160$3.70$32,702$2,337.79$11.5K → BTI
10$22,643$1.85$37,794$2,802.29$15.2K → BTI

CCFC vs BTI: Complete Analysis 2026

CCFC — Stock

CCSB Financial Corp. operates as a financial holding company for Clay County Savings Bank that provides a range of banking and financial services to individual and corporate customers in the northern part of metropolitan Kansas City, Missouri. It offers personal banking products and services, including checking, statement savings, money market, health savings, kids adventure club, and individual retirement accounts, as well as certificates of deposit; and home loans, home equity line of credit, closed-end home equity, and auto loans. The company also provides business banking products and services, such business money market and sweep accounts; investment property loans, small business loans, construction loans, and commercial and business loans; and merchant services. In addition, it offers debit and credit cards, and online banking services, as well as ATM, notary, and signature guarantee services. The company has bank locations in Liberty, Kearney, and Kansas City, as well as provides access to approximately 4,200 ATMs. CCSB Financial Corp. was founded in 1922 and is based in Liberty, Missouri.

Full CCFC Calculator →

BTI — Consumer 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.

Full BTI 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.