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DSBX vs BTI: Dividend Comparison 2026

DSBX yields 8.24% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $3.2K in total portfolio value· pulled ahead in Year 8
10 years
DSBX
DSBX
● Live price
8.24%
Share price
$24.26
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$34.5K
Annual income
$1,388.43
Full DSBX 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 — DSBX vs BTI

📍 BTI pulled ahead of the other in Year 8

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 PeriodDSBXBTI
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%.
📅

Dividend Calendar Overlap

Combined, DSBX + BTI cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

DSBX
Annual income on $10K today (after 15% tax)
$700.74/yr
After 10yr DRIP, annual income (after tax)
$1,180.17/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 $1,188.48/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

DSBX: 50%BTI: 50%
100% BTI50/50100% DSBX
Portfolio after 10yr
$36.1K
Annual income
$2,087.53/yr
Blended yield
5.78%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

DSBX
No analyst data
Altman Z
0.3
Piotroski
3/9
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)

DSBX buys
0
BTI buys
0
No recent congressional trades found for DSBX or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricDSBXBTI
Forward yield8.24% ✓5.38%
Annual dividend / share$2.00$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3% ✓
Portfolio after 10y$34.5K$37.7K ✓
Annual income after 10y$1,388.43$2,786.64 ✓
Total dividends collected$11.1K$14.3K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearDSBX PortfolioDSBX Income/yrBTI PortfolioBTI Income/yrGap
1$11,524$824.40$11,299$598.92+$225.00 → DSBX
2$13,219$887.92$12,794$703.91+$425.00 → DSBX
3$15,096$951.86$14,518$829.07+$578.00 → DSBX
4$17,169$1,015.91$16,513$978.64+$656.00 → DSBX
5$19,450$1,079.81$18,827$1,157.84+$623.00 → DSBX
6$21,955$1,143.28$21,518$1,373.12+$437.00 → DSBX
7$24,698$1,206.08$24,657$1,632.46+$41.00 → DSBX
8← crossover$27,695$1,268.00$28,329$1,945.74$634.00 → BTI
9$30,963$1,328.84$32,637$2,325.33$1.7K → BTI
10$34,518$1,388.43$37,708$2,786.64$3.2K → BTI

DSBX vs BTI: Complete Analysis 2026

DSBX — Stock

Dogwood State Bank provides banking products and services for businesses, business owners, professionals, and their employees in North Carolina. It offers personal and business checking accounts; savings accounts; money market accounts; individual retirement accounts; and certificates of deposit. The company also provides business financing services, including business lines of credit and business term loans; personal lines of credit; overdraft protection services; credit cards; home equity lines; personal loans comprising automobile and truck loans, boat and RV loans, and boat slip financing services; and real estate loans, such as home construction loans, home improvement loans, investment rental homes, residential lot loans, residential second mortgage loans, and home equity lines. In addition, it offers lending services to small businesses; and treasury management services. The company provides its products and services through its digital offerings and branch offices in Charlotte, Greenville, Morehead City, Raleigh, Sanford, and Wilmington. The company was formerly known as Sound Bank and changed its name to Dogwood State Bank in September 2019. Dogwood State Bank was founded in 2001 and is headquartered in Raleigh, North Carolina.

Full DSBX 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.