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CRZBF vs BTI: Dividend Comparison 2026

CRZBF yields 2.04% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CRZBF wins by $70.30M in total portfolio value· pulled ahead in Year 3
10 years
CRZBF
CRZBF
● Live price
2.04%
Share price
$35.75
Annual div
$0.73
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$70.34M
Annual income
$64,292,927.81
Full CRZBF 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 — CRZBF vs BTI

📍 CRZBF pulled ahead of the other in Year 3

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 PeriodCRZBFBTI
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, CRZBF + BTI cover 0 of 12 monthsgood coverage

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

CRZBF
Annual income on $10K today (after 15% tax)
$173.66/yr
After 10yr DRIP, annual income (after tax)
$54,648,988.64/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, CRZBF beats the other by $54,646,619.99/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 CRZBF + BTI for your $10,000?

CRZBF: 50%BTI: 50%
100% BTI50/50100% CRZBF
Portfolio after 10yr
$35.19M
Annual income
$32,147,857.22/yr
Blended yield
91.36%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CRZBF
No analyst data
Altman Z
0.3
Piotroski
4/9
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)

CRZBF buys
0
BTI buys
0
No recent congressional trades found for CRZBF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCRZBFBTI
Forward yield2.04%5.38%
Annual dividend / share$0.73$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$70.34M$37.7K
Annual income after 10y$64,292,927.81$2,786.64
Total dividends collected$69.85M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCRZBF PortfolioCRZBF Income/yrBTI PortfolioBTI Income/yrGap
1$11,109$408.62$11,299$598.92$190.00BTI
2$12,735$848.44$12,794$703.91$59.00BTI
3← crossover$15,444$1,818.00$14,518$829.07+$926.00CRZBF
4$20,646$4,121.12$16,513$978.64+$4.1KCRZBF
5$32,389$10,297.74$18,827$1,157.84+$13.6KCRZBF
6$64,852$30,195.83$21,518$1,373.12+$43.3KCRZBF
7$182,402$113,010.23$24,657$1,632.46+$157.7KCRZBF
8$789,283$594,112.12$28,329$1,945.74+$761.0KCRZBF
9$5,649,793$4,805,260.59$32,637$2,325.33+$5.62MCRZBF
10$70,338,206$64,292,927.81$37,708$2,786.64+$70.30MCRZBF

CRZBF vs BTI: Complete Analysis 2026

CRZBFStock

Commerzbank AG provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. It operates through two segments, Private and Small-Business Customers, and Corporate Clients. The company offers accounts, commercial payments, payment enabling, clearing and custody, and other services; trade services, including documentary collection, letters of credit, guarantees, trade facilitation, supply chain financing, buyer's credit, and forfaiting services; and bilateral loans, club deals, Schuldschein instruments, syndicated loans, bonds, private placements, other debt instruments, and Islamic financing services. It also provides money market, and commodities and precious metals products; interest, currency, and liquidity management services, as well as wealth management services. The company operates approximately 790 branches. Commerzbank AG was founded in 1870 and is headquartered in Frankfurt am Main, Germany.

Full CRZBF 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.