HomeCompareCLDB vs BTI

CLDB vs BTI: Dividend Comparison 2026

CLDB yields 40.19% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CLDB wins by $15615634208.56M in total portfolio value
10 years
CLDB
CLDB
● Live price
40.19%
Share price
$28.47
Annual div
$11.44
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$15615634208.60M
Annual income
$15,541,348,962,393,100.00
Full CLDB 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 — CLDB vs BTI

📍 CLDB 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 PeriodCLDBBTI
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, CLDB + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CLDB
Annual income on $10K today (after 15% tax)
$3,416.20/yr
After 10yr DRIP, annual income (after tax)
$13,210,146,618,034,134.00/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, CLDB beats the other by $13,210,146,618,031,766.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CLDB: 50%BTI: 50%
100% BTI50/50100% CLDB
Portfolio after 10yr
$7807817104.32M
Annual income
$7,770,674,481,197,943.00/yr
Blended yield
99.52%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CLDB
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

CLDB buys
0
BTI buys
0
No recent congressional trades found for CLDB or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCLDBBTI
Forward yield40.19%5.38%
Annual dividend / share$11.44$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$15615634208.60M$37.7K
Annual income after 10y$15,541,348,962,393,100.00$2,786.64
Total dividends collected$15610733571.37M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCLDB PortfolioCLDB Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$18,738$8,038.11$11,299$598.92+$7.4KCLDB
2$48,203$28,153.08$12,794$703.91+$35.4KCLDB
3$186,946$135,369.00$14,518$829.07+$172.4KCLDB
4$1,181,348$981,316.12$16,513$978.64+$1.16MCLDB
5$12,854,934$11,590,891.30$18,827$1,157.84+$12.84MCLDB
6$249,506,519$235,751,739.12$21,518$1,373.12+$249.49MCLDB
7$8,819,867,463$8,552,895,488.39$24,657$1,632.46+$8819.84MCLDB
8$574,555,785,428$565,118,527,242.66$28,329$1,945.74+$574555.76MCLDB
9$69,425,463,746,547$68,810,689,056,138.34$32,637$2,325.33+$69425463.71MCLDB
10$15,615,634,208,601,904$15,541,348,962,393,100.00$37,708$2,786.64+$15615634208.56MCLDB

CLDB vs BTI: Complete Analysis 2026

CLDBStock

Cortland Bancorp, Inc. is a bank holding company, which provides commercial and retail banking services through its subsidiary, The Cortland Savings and Banking Company. The company is headquartered in Cortland, Ohio and currently employs 144 full-time employees. The firm's principal activity is to own, manage and supervise The Cortland Savings and Banking Company (Cortland Banks or the Bank). The firm operates through the commercial banking segment. The Bank is a state chartered bank engaged in commercial and retail banking. The Bank's services include checking accounts, savings accounts, time deposit accounts, commercial, mortgage and installment loans, night depository, automated teller services, safe deposit boxes and other miscellaneous services. The Bank provides brokerage and investment services through an arrangement with Investment Professionals, Inc. Under this arrangement, financial advisors offer customers a range of investment products and services, such as estate planning, annuities, life insurance, fixed income, and equity securities and equity research and recommendations. The Bank, through Investment Professionals, Inc., also offers asset management services to customers.

Full CLDB 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.