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CFST vs BTI: Dividend Comparison 2026

CFST yields 2.94% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $13.6K in total portfolio value
10 years
CFST
CFST
● Live price
2.94%
Share price
$67.95
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.1K
Annual income
$355.81
Full CFST 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 — CFST vs BTI

📍 BTI 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 PeriodCFSTBTI
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, CFST + BTI cover 0 of 12 monthsgood coverage

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

CFST
Annual income on $10K today (after 15% tax)
$250.18/yr
After 10yr DRIP, annual income (after tax)
$302.44/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 $2,066.21/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

CFST: 50%BTI: 50%
100% BTI50/50100% CFST
Portfolio after 10yr
$30.9K
Annual income
$1,571.23/yr
Blended yield
5.08%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CFST
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)

CFST buys
0
BTI buys
0
No recent congressional trades found for CFST or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCFSTBTI
Forward yield2.94%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$24.1K$37.7K
Annual income after 10y$355.81$2,786.64
Total dividends collected$3.3K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCFST PortfolioCFST Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,994$294.33$11,299$598.92$305.00BTI
2$12,066$302.43$12,794$703.91$728.00BTI
3$13,221$310.21$14,518$829.07$1.3KBTI
4$14,464$317.66$16,513$978.64$2.0KBTI
5$15,802$324.79$18,827$1,157.84$3.0KBTI
6$17,239$331.61$21,518$1,373.12$4.3KBTI
7$18,784$338.11$24,657$1,632.46$5.9KBTI
8$20,443$344.31$28,329$1,945.74$7.9KBTI
9$22,225$350.21$32,637$2,325.33$10.4KBTI
10$24,136$355.81$37,708$2,786.64$13.6KBTI

CFST vs BTI: Complete Analysis 2026

CFSTStock

Communities First Financial Corporation operates as the bank holding company for Fresno First Bank that provides various banking products and services for individuals and small and middle-market businesses in California. It offers checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also provides residential real estate loans, commercial loans, small business loans, commercial real estate and construction loans, agricultural loans and lines of credit, and equipment leasing services. In addition, it offers debit and credit cards; and online and mobile banking, online bill payment, cash management, remote deposit capture, and merchant services, as well as business manager solutions. The company operates one full-service office located in Fresno and a loan production office located in Torrance in California. Communities First Financial Corporation was founded in 2005 and is headquartered in Fresno, California.

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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.