Is CFGW or BTI a better dividend investment in 2026?

CFGW currently yields 7.84% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: CFGW offers higher current income.

What is the dividend yield difference between CFGW and BTI?

CFGW has a forward dividend yield of 7.84% ($3.45/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 2.46 percentage points.

Home › Compare › CFGW vs BTI

CFGW vs BTI: Dividend Comparison 2026

CFGW yields 7.84% · BTI yields 5.38%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 CFGW wins by $90446.47M in total portfolio value

INVESTMENT

TIME HORIZON10 years

CFGW

● Live price

7.84%

Share price

$44.00

Annual div

$3.45

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$90446.51M

Annual income

$88,283,533,263.91

Full CFGW calculator →

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 — CFGW vs BTI

📍 CFGW pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	CFGW	BTI
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, CFGW + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CFGW pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CFGW

Annual income on $10K today (after 15% tax)

$666.48/yr

After 10yr DRIP, annual income (after tax)

$75,041,003,274.32/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, CFGW beats the other by $75,041,000,905.68/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

CFGW: 50%BTI: 50%

100% BTI50/50100% CFGW

Portfolio after 10yr

$45223.27M

Annual income

$44,141,768,025.28/yr

Blended yield

97.61%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CFGW

No analyst data

Altman Z

0.6

Piotroski

5/9

BTI

Analyst Ratings

Buy

Hold

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)

CFGW buys

BTI buys

No recent congressional trades found for CFGW or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricCFGWBTI

Forward yield	7.84% ✓	5.38%
Annual dividend / share	$3.45 ✓	$3.15
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	11.3%
Portfolio after 10y	$90446.51M ✓	$37.7K
Annual income after 10y	$88,283,533,263.91 ✓	$2,786.64
Total dividends collected	$90298.70M ✓	$14.3K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	CFGW Portfolio	CFGW Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$12,268	$1,568.18	$11,299	$598.92	+$969.00 → CFGW
2	$16,723	$3,596.03	$12,794	$703.91	+$3.9K → CFGW
3	$27,056	$9,162.26	$14,518	$829.07	+$12.5K → CFGW
4	$56,657	$27,707.43	$16,513	$978.64	+$40.1K → CFGW
5	$169,075	$108,451.68	$18,827	$1,157.84	+$150.2K → CFGW
6	$785,842	$604,932.00	$21,518	$1,373.12	+$764.3K → CFGW
7	$6,096,290	$5,255,439.23	$24,657	$1,632.46	+$6.07M → CFGW
8	$82,728,401	$76,205,370.40	$28,329	$1,945.74	+$82.70M → CFGW
9	$2,021,470,137	$1,932,950,748.35	$32,637	$2,325.33	+$2021.44M → CFGW
10	$90,446,506,311	$88,283,533,263.91	$37,708	$2,786.64	+$90446.47M → CFGW

CFGW vs BTI: Complete Analysis 2026

CFGW — Stock

Community Financial Group, Inc. operates as the bank holding company for Wheatland Bank that provides various banking products and services for individuals and businesses. The company offers checking, saving, and individual and business retirement accounts. Its loan products include personal loans, including auto and secured loans, and personal and home equity lines of credit; business loans, such as operating line of credit, term loans, and construction and development loans; and home, small business administration, commercial lending and real estate, and agricultural real estate loans, as well as agricultural financing. The company also offers credit cards; and cash management, merchant, and online and mobile banking services. It operates through a network of 14 branches in eastern and central Washington. The company was founded in 1979 and is based in Spokane, Washington.

Full CFGW 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 →

📬

Get this CFGW vs BTI comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

CFGW vs SCHD CFGW vs JEPI CFGW vs O CFGW vs KO CFGW vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.