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CSTR vs BTI: Dividend Comparison 2026

CSTR yields 2.19% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CSTR wins by $94.99M in total portfolio value· pulled ahead in Year 2
10 years
CSTR
CSTR
● Live price
2.19%
Share price
$20.11
Annual div
$0.44
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$95.03M
Annual income
$87,357,512.98
Full CSTR 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 — CSTR vs BTI

📍 CSTR pulled ahead of the other in Year 2

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 PeriodCSTRBTI
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, CSTR + BTI cover 0 of 12 monthsgood coverage

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

CSTR
Annual income on $10K today (after 15% tax)
$185.98/yr
After 10yr DRIP, annual income (after tax)
$74,253,886.03/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, CSTR beats the other by $74,251,517.39/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 CSTR + BTI for your $10,000?

CSTR: 50%BTI: 50%
100% BTI50/50100% CSTR
Portfolio after 10yr
$47.53M
Annual income
$43,680,149.81/yr
Blended yield
91.90%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CSTR
Analyst Ratings
6
Buy
15
Hold
2
Sell
Consensus: Hold
Altman Z
-0.2
Piotroski
7/9
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)

CSTR buys
0
BTI buys
0
No recent congressional trades found for CSTR or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCSTRBTI
Forward yield2.19%5.38%
Annual dividend / share$0.44$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$95.03M$37.7K
Annual income after 10y$87,357,512.98$2,786.64
Total dividends collected$94.42M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearCSTR PortfolioCSTR Income/yrBTI PortfolioBTI Income/yrGap
1$11,138$437.59$11,299$598.92$161.00BTI
2← crossover$12,828$910.98$12,794$703.91+$34.00CSTR
3$15,687$1,961.23$14,518$829.07+$1.2KCSTR
4$21,268$4,482.91$16,513$978.64+$4.8KCSTR
5$34,118$11,360.34$18,827$1,157.84+$15.3KCSTR
6$70,569$34,062.76$21,518$1,373.12+$49.1KCSTR
7$207,200$131,691.92$24,657$1,632.46+$182.5KCSTR
8$944,448$722,743.92$28,329$1,945.74+$916.1KCSTR
9$7,168,259$6,157,699.56$32,637$2,325.33+$7.14MCSTR
10$95,027,550$87,357,512.98$37,708$2,786.64+$94.99MCSTR

CSTR vs BTI: Complete Analysis 2026

CSTRStock

CapStar Financial Holdings, Inc. operates as the bank holding company for CapStar Bank that provides banking services to consumer and corporate customers located primarily in Tennessee, the United States. Its deposit products and services include demand deposits, interest-bearing transaction accounts, money market accounts, time and savings deposits, certificates of deposit, and CDARS reciprocal products. The company also provides commercial and consumer real estate, construction and land development, commercial and industrial, consumer, PPP, and other loans. In addition, it offers mortgage banking products and services; private banking and wealth management services for the owners and operators of business clients and other high net worth individuals; and correspondent banking services to community banks. Further, the company provides telephone and online banking, direct deposit, mobile banking, safe deposit box, remote deposit, and cash management services for individuals, and small and medium sized businesses. CapStar Financial Holdings, Inc. was founded in 2007 and is headquartered in Nashville, Tennessee.

Full CSTR 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.

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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.