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CRCBY vs BTI: Dividend Comparison 2026

CRCBY yields 5.08% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $17.1K in total portfolio value
10 years
CRCBY
CRCBY
● Live price
5.08%
Share price
$39.00
Annual div
$1.98
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.6K
Annual income
$0.52
Full CRCBY 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 — CRCBY 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 PeriodCRCBYBTI
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, CRCBY + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

CRCBY
Annual income on $10K today (after 15% tax)
$432.06/yr
After 10yr DRIP, annual income (after tax)
$0.44/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 $2,368.20/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

CRCBY: 50%BTI: 50%
100% BTI50/50100% CRCBY
Portfolio after 10yr
$29.1K
Annual income
$1,393.58/yr
Blended yield
4.78%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CRCBY
No analyst data
Altman Z
-0.2
Piotroski
6/9
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)

CRCBY buys
0
BTI buys
0
No recent congressional trades found for CRCBY or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCRCBYBTI
Forward yield5.08%5.38%
Annual dividend / share$1.98$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%11.3%
Portfolio after 10y$20.6K$37.7K
Annual income after 10y$0.52$2,786.64
Total dividends collected$516.00$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCRCBY PortfolioCRCBY Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,954$254.16$11,299$598.92$345.00BTI
2$11,851$130.10$12,794$703.91$943.00BTI
3$12,746$65.77$14,518$829.07$1.8KBTI
4$13,672$33.06$16,513$978.64$2.8KBTI
5$14,645$16.57$18,827$1,157.84$4.2KBTI
6$15,679$8.29$21,518$1,373.12$5.8KBTI
7$16,780$4.15$24,657$1,632.46$7.9KBTI
8$17,957$2.07$28,329$1,945.74$10.4KBTI
9$19,215$1.04$32,637$2,325.33$13.4KBTI
10$20,561$0.52$37,708$2,786.64$17.1KBTI

CRCBY vs BTI: Complete Analysis 2026

CRCBYStock

Chongqing Rural Commercial Bank Co., Ltd., together with its subsidiaries, provides a range of banking and related financial services in the People's Republic of China. It operates in three segments: Corporate Banking, Personal Banking, and Financial Market Operations. The Corporate Banking segment offers financial products and services, including deposit takings, corporate loans, trade financing, financial leasing, and other corporate intermediary services to corporations, government agencies, and financial institutions. The Personal Banking segment provides financial products and services, such as deposit products, personal loans, cards, personal wealth management services, and other types of personal intermediary services to individual customers. The Financial Market Operations segment conducts money market or repurchase transactions; and invests in debt instruments for its own accounts or on behalf of customers. The company also provides mobile banking, Internet banking, and telephone banking services. As of 31 December 2021, it had operated 1,760 branches, including the head office and the business department, 7 branches, 35 first-class sub-branches, 134 second-class sub-branches, 2 community sub-branches, and 1,580 branch offices, as well as 145 self-service 24-hour banking centers. The company was formerly known as Chongqing Rural Credit Union and changed its name to Chongqing Rural Commercial Bank Co., Ltd. in 2008. Chongqing Rural Commercial Bank Co., Ltd. was founded in 1951 and is headquartered in Chongqing, China.

Full CRCBY 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.