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CFCX vs BTI: Dividend Comparison 2026

CFCX yields 12.54% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CFCX wins by $8.0K in total portfolio value
10 years
CFCX
CFCX
● Live price
12.54%
Share price
$15.95
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.7K
Annual income
$2,738.22
Full CFCX 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 — CFCX vs BTI

📍 CFCX 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 PeriodCFCXBTI
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, CFCX + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CFCX
Annual income on $10K today (after 15% tax)
$1,065.83/yr
After 10yr DRIP, annual income (after tax)
$2,327.49/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, BTI beats the other by $41.16/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CFCX: 50%BTI: 50%
100% BTI50/50100% CFCX
Portfolio after 10yr
$41.7K
Annual income
$2,762.43/yr
Blended yield
6.62%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CFCX
No analyst data
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CFCX buys
0
BTI buys
0
No recent congressional trades found for CFCX or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFCXBTI
Forward yield12.54%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$45.7K$37.7K
Annual income after 10y$2,738.22$2,786.64
Total dividends collected$19.8K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCFCX PortfolioCFCX Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,954$1,253.92$11,299$598.92+$655.00CFCX
2$14,192$1,400.86$12,794$703.91+$1.4KCFCX
3$16,739$1,554.29$14,518$829.07+$2.2KCFCX
4$19,624$1,713.38$16,513$978.64+$3.1KCFCX
5$22,875$1,877.29$18,827$1,157.84+$4.0KCFCX
6$26,522$2,045.12$21,518$1,373.12+$5.0KCFCX
7$30,594$2,216.00$24,657$1,632.46+$5.9KCFCX
8$35,125$2,389.04$28,329$1,945.74+$6.8KCFCX
9$40,147$2,563.39$32,637$2,325.33+$7.5KCFCX
10$45,696$2,738.22$37,708$2,786.64+$8.0KCFCX

CFCX vs BTI: Complete Analysis 2026

CFCXStock

Centric Financial Corporation operates as the holding company for Centric Bank that offers various banking products and services. It provides checking accounts, certificates of deposit (CD), individual retirement accounts, savings and money market accounts, and health savings accounts; and CD account registry services. The company also offers personal and auto loans, business loans and lines, home equity loans and lines, government-guaranteed loans, commercial real estate loans, lines and letters of credit, and commercial term loans, as well as financing for doctors and professional practices; credit cards; cash management services; residential mortgages; and online and mobile banking services. In addition, it provides leasing services for business equipment; and other banking services, such as telephone banking, debit cards, fraud protection, ATM cards, bounce protection, checking navigator, notary, and safe deposit boxes. The company serves businesses and individuals, as well as healthcare providers, professional practitioners, government and municipalities, and nonprofit organizations. It offers its services through seven full-service offices in Dauphin, Cumberland, Lancaster, Bucks, and Chester Counties; and a loan production office in Chester county, as well as online banking channels. Centric Financial Corporation was founded in 2007 and is headquartered in Harrisburg, Pennsylvania.

Full CFCX 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.

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.