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CZBS vs BTI: Dividend Comparison 2026

CZBS yields 2.55% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 CZBS wins by $50.9K in total portfolio value· pulled ahead in Year 5
10 years
CZBS
CZBS
● Live price
2.55%
Share price
$47.10
Annual div
$1.20
5Y div CAGR
42.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$88.6K
Annual income
$27,371.47
Full CZBS 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 — CZBS vs BTI

📍 CZBS pulled ahead of the other in Year 5

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 PeriodCZBSBTI
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, CZBS + BTI cover 0 of 12 monthsgood coverage

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

CZBS
Annual income on $10K today (after 15% tax)
$216.56/yr
After 10yr DRIP, annual income (after tax)
$23,265.75/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, CZBS beats the other by $20,897.11/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 CZBS + BTI for your $10,000?

CZBS: 50%BTI: 50%
100% BTI50/50100% CZBS
Portfolio after 10yr
$63.1K
Annual income
$15,079.05/yr
Blended yield
23.88%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

CZBS
No analyst data
Altman Z
-0.9
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)

CZBS buys
0
BTI buys
0
No recent congressional trades found for CZBS or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricCZBSBTI
Forward yield2.55%5.38%
Annual dividend / share$1.20$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR42.5%11.3%
Portfolio after 10y$88.6K$37.7K
Annual income after 10y$27,371.47$2,786.64
Total dividends collected$62.2K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearCZBS PortfolioCZBS Income/yrBTI PortfolioBTI Income/yrGap
1$11,063$363.06$11,299$598.92$236.00BTI
2$12,372$534.91$12,794$703.91$422.00BTI
3$14,035$796.69$14,518$829.07$483.00BTI
4$16,221$1,203.61$16,513$978.64$292.00BTI
5← crossover$19,209$1,852.60$18,827$1,157.84+$382.00CZBS
6$23,476$2,921.74$21,518$1,373.12+$2.0KCZBS
7$29,874$4,755.32$24,657$1,632.46+$5.2KCZBS
8$40,025$8,059.18$28,329$1,945.74+$11.7KCZBS
9$57,206$14,379.77$32,637$2,325.33+$24.6KCZBS
10$88,582$27,371.47$37,708$2,786.64+$50.9KCZBS

CZBS vs BTI: Complete Analysis 2026

CZBSStock

Citizens Bancshares Corporation operates as the holding company for Citizens Trust Bank that provides various commercial banking services to individual and corporate customers. The company offers checking and savings accounts; and demand and money market deposits. Its loan products include commercial, financial, and agricultural loans; loans secured by personal property, such as automobiles, marketable securities, and other titled recreational vehicles and motorcycles, as well as unsecured consumer debt; commercial real estate loans; single-family residential loans; and construction and development loans. The company also offers investment accounts and certificate of deposit account registry services. In addition, it provides merchant services, which include point of sale terminal, credit and debit card processing, electronic benefits transfer, gift card, and Internet shopping cart services; cash management services; and credit cards. Further, the company offers online and mobile banking, and check reorder services. It operates five full-service branches in metropolitan Atlanta; one full-service branch in Birmingham, Alabama; and one full-service branch in Eutaw, Alabama. The company was founded in 1921 and is headquartered in Atlanta, Georgia.

Full CZBS 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.