HomeCompareCMHF vs BTI

CMHF vs BTI: Dividend Comparison 2026

CMHF yields 1.03% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CMHF wins by $5.04M in total portfolio value· pulled ahead in Year 4
10 years
CMHF
CMHF
● Live price
1.03%
Share price
$31.00
Annual div
$0.32
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$5.08M
Annual income
$4,279,637.30
Full CMHF 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 — CMHF vs BTI

📍 CMHF pulled ahead of the other in Year 4

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 PeriodCMHFBTI
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, CMHF + BTI cover 0 of 12 monthsgood coverage

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

CMHF
Annual income on $10K today (after 15% tax)
$87.74/yr
After 10yr DRIP, annual income (after tax)
$3,637,691.70/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, CMHF beats the other by $3,635,323.06/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CMHF: 50%BTI: 50%
100% BTI50/50100% CMHF
Portfolio after 10yr
$2.56M
Annual income
$2,141,211.97/yr
Blended yield
83.74%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CMHF
No analyst data
Altman Z
-0.0
Piotroski
5/9
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)

CMHF buys
0
BTI buys
0
No recent congressional trades found for CMHF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCMHFBTI
Forward yield1.03%5.38%
Annual dividend / share$0.32$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$5.08M$37.7K
Annual income after 10y$4,279,637.30$2,786.64
Total dividends collected$4.99M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCMHF PortfolioCMHF Income/yrBTI PortfolioBTI Income/yrGap
1$10,906$206.45$11,299$598.92$393.00BTI
2$12,091$420.87$12,794$703.91$703.00BTI
3$13,809$872.10$14,518$829.07$709.00BTI
4← crossover$16,638$1,861.77$16,513$978.64+$125.00CMHF
5$21,995$4,192.71$18,827$1,157.84+$3.2KCMHF
6$33,895$10,360.32$21,518$1,373.12+$12.4KCMHF
7$66,110$29,842.19$24,657$1,632.46+$41.5KCMHF
8$179,532$108,794.65$28,329$1,945.74+$151.2KCMHF
9$744,342$552,242.96$32,637$2,325.33+$711.7KCMHF
10$5,076,084$4,279,637.30$37,708$2,786.64+$5.04MCMHF

CMHF vs BTI: Complete Analysis 2026

CMHFStock

Community Heritage Financial, Inc., through its subsidiaries, provides retail and commercial banking services to individuals and businesses in Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia. It operates in two segments, Commercial Banking and Mortgage Banking. The Commercial Banking segment offers commercial loans, real estate loans, installment loans, and consumer loans, as well as other business financing services; and deposit products, including demand deposit accounts, savings accounts, time deposit, and certificates of deposit. The Mortgage Banking segment primarily engages in the origination of residential mortgages for sale into the secondary market. The company also provides life insurance services. It operates through a network of eight branches located in Frederick and Washington Counties, Maryland. The company was incorporated in 2018 and is based in Middletown, Maryland.

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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.

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.