Is CMUV or BTI a better dividend investment in 2026?

CMUV currently yields 1.46% with a 5% 5-year dividend growth rate. BTI yields 5.40% with 5% growth. The better choice depends on your goal: BTI offers higher current income.

What is the dividend yield difference between CMUV and BTI?

CMUV has a forward dividend yield of 1.46% ($0.36/share annually). BTI yields 5.40% ($3.15/share annually). The yield gap is 3.94 percentage points.

Home › Compare › CMUV vs BTI

CMUV vs BTI: Dividend Comparison 2026

CMUV yields 1.46% · BTI yields 5.40%● Live data

vsPost on X →

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

🏆 CMUV wins by $17.54M in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

CMUV

● Live price

1.46%

Share price

$24.72

Annual div

$0.36

5Y div CAGR

100%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$17.57M

Annual income

$15,525,557.38

Full CMUV calculator →

BTI

● Live price

5.40%

Share price

$58.26

Annual div

$3.15

5Y div CAGR

11.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$37.8K

Annual income

$2,802.29

Full BTI calculator →

Portfolio growth — CMUV vs BTI

📍 CMUV pulled ahead of the other in Year 4

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	CMUV	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%.

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Dividend Calendar Overlap

Combined, CMUV + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

CMUV pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

CMUV

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

$123.78/yr

After 10yr DRIP, annual income (after tax)

$13,196,723.77/yr

BTI

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

$459.05/yr

After 10yr DRIP, annual income (after tax)

$2,381.95/yr

At 15% tax rate, CMUV beats the other by $13,194,341.83/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 CMUV + BTI for your $10,000?

CMUV: 50%BTI: 50%

100% BTI50/50100% CMUV

Portfolio after 10yr

$8.81M

Annual income

$7,764,179.83/yr

Blended yield

88.17%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CMUV

No analyst data

Altman Z

-0.7

Piotroski

5/9

BTI

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$40.00

-31.3% 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)

CMUV buys

BTI buys

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

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

MetricCMUVBTI

Forward yield	1.46%	5.40% ✓
Annual dividend / share	$0.36	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	100% ✓	11.3%
Portfolio after 10y	$17.57M	$37.8K ✓
Annual income after 10y	$15,525,557.38 ✓	$2,802.29
Total dividends collected	$17.39M ✓	$14.4K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	CMUV Portfolio	CMUV Income/yr	BTI Portfolio	BTI Income/yr	Gap
1	$10,991	$291.25	$11,301	$601.08	$310.00 → BTI
2	$12,359	$598.36	$12,799	$706.58	$440.00 → BTI
3	$14,482	$1,257.60	$14,527	$832.38	$45.00 → BTI
4← crossover	$18,250	$2,754.39	$16,527	$982.75	+$1.7K → CMUV
5	$26,015	$6,487.99	$18,846	$1,162.95	+$7.2K → CMUV
6	$45,124	$17,287.28	$21,545	$1,379.49	+$23.6K → CMUV
7	$104,329	$56,046.45	$24,694	$1,640.41	+$79.6K → CMUV
8	$353,843	$242,211.10	$28,378	$1,955.69	+$325.5K → CMUV
9	$1,914,101	$1,535,488.81	$32,702	$2,337.79	+$1.88M → CMUV
10	$17,573,645	$15,525,557.38	$37,794	$2,802.29	+$17.54M → CMUV

CMUV vs BTI: Complete Analysis 2026

CMUV — Stock

CMUV Bancorp operates as the bank holding company for Community Valley Bank that provides financial services to individuals and businesses in California. The company offers checking, money market, and savings accounts; and lending and investment products. It also provides construction and land development, commercial real estate and other, commercial and industrial, and consumer loan products, as well as online and mobile banking services. The company operates through five full-service offices in El Centro, Brawley, Borrego Springs, Palm Desert, and Julian, as well as a loan production office in La Mesa. CMUV Bancorp was founded in 2007 and is based in El Centro, California.

Full CMUV 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 →

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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.