Is DIMC or BTI a better dividend investment in 2026?

DIMC currently yields 3.60% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: BTI offers higher current income.

What is the dividend yield difference between DIMC and BTI?

DIMC has a forward dividend yield of 3.60% ($1.71/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 1.78 percentage points.

Home › Compare › DIMC vs BTI

DIMC vs BTI: Dividend Comparison 2026

DIMC yields 3.60% · BTI yields 5.38%● Live data

vsPost on X →

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

🏆 DIMC wins by $15.2K in total portfolio value· pulled ahead in Year 5

INVESTMENT

TIME HORIZON10 years

DIMC

● Live price

3.60%

Share price

$47.49

Annual div

$1.71

5Y div CAGR

27.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$52.9K

Annual income

$8,925.38

Full DIMC calculator →

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 — DIMC vs BTI

📍 DIMC 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 Period	DIMC	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, DIMC + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

DIMC 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.

DIMC

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

$306.06/yr

After 10yr DRIP, annual income (after tax)

$7,586.57/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, DIMC beats the other by $5,217.93/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 DIMC + BTI for your $10,000?

DIMC: 50%BTI: 50%

100% BTI50/50100% DIMC

Portfolio after 10yr

$45.3K

Annual income

$5,856.01/yr

Blended yield

12.93%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

DIMC

No analyst data

Altman Z

-0.5

Piotroski

4/9

BTI

Analyst Ratings

Buy

Hold

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

DIMC buys

BTI buys

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

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

MetricDIMCBTI

Forward yield	3.60%	5.38% ✓
Annual dividend / share	$1.71	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	27.2% ✓	11.3%
Portfolio after 10y	$52.9K ✓	$37.7K
Annual income after 10y	$8,925.38 ✓	$2,786.64
Total dividends collected	$28.5K ✓	$14.3K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	DIMC Portfolio	DIMC Income/yr	BTI Portfolio	BTI Income/yr	Gap
1	$11,158	$458.02	$11,299	$598.92	$141.00 → BTI
2	$12,547	$607.54	$12,794	$703.91	$247.00 → BTI
3	$14,237	$812.11	$14,518	$829.07	$281.00 → BTI
4	$16,329	$1,095.49	$16,513	$978.64	$184.00 → BTI
5← crossover	$18,966	$1,493.67	$18,827	$1,157.84	+$139.00 → DIMC
6	$22,356	$2,062.38	$21,518	$1,373.12	+$838.00 → DIMC
7	$26,811	$2,889.95	$24,657	$1,632.46	+$2.2K → DIMC
8	$32,807	$4,120.13	$28,329	$1,945.74	+$4.5K → DIMC
9	$41,098	$5,993.50	$32,637	$2,325.33	+$8.5K → DIMC
10	$52,900	$8,925.38	$37,708	$2,786.64	+$15.2K → DIMC

DIMC vs BTI: Complete Analysis 2026

DIMC — Stock

Dimeco, Inc. operates as the bank holding company for The Dime Bank that provides banking products and services to individuals and businesses in the United States. It accepts various deposits, including checking, savings, and individual retirement accounts, as well as certificates of deposit. It also provides consumer, mortgage, construction, home equity, student, business term, vehicle, equipment, capital improvement, and commercial real estate loans; business lines of credit; and acquisition financing and investment services. In addition, the company offers wealth management services; and business services, such as cash management, remote deposit, and merchant services. Further, it provides online and mobile banking, bill pay, mobile deposit, transfer, and e-statement services; and debit and credit cards. The company operates seven locations in northeastern Pennsylvania. Dimeco, Inc. was founded in 1905 and is headquartered in Honesdale, Pennsylvania.

Full DIMC 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.