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EBSB vs BTI: Dividend Comparison 2026

EBSB yields 6.13% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 EBSB wins by $20010.36M in total portfolio value
10 years
EBSB
EBSB
● Live price
6.13%
Share price
$24.15
Annual div
$1.48
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20010.39M
Annual income
$19,402,197,253.49
Full EBSB 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 — EBSB vs BTI

📍 EBSB pulled ahead of the other in Year 1

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 PeriodEBSBBTI
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, EBSB + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

EBSB
Annual income on $10K today (after 15% tax)
$520.91/yr
After 10yr DRIP, annual income (after tax)
$16,491,867,665.47/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, EBSB beats the other by $16,491,865,296.82/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

EBSB: 50%BTI: 50%
100% BTI50/50100% EBSB
Portfolio after 10yr
$10005.22M
Annual income
$9,701,100,020.07/yr
Blended yield
96.96%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

EBSB
Analyst Ratings
2
Buy
4
Hold
Consensus: Hold
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)

EBSB buys
0
BTI buys
0
No recent congressional trades found for EBSB or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricEBSBBTI
Forward yield6.13%5.38%
Annual dividend / share$1.48$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$20010.39M$37.7K
Annual income after 10y$19,402,197,253.49$2,786.64
Total dividends collected$19968.30M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearEBSB PortfolioEBSB Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,926$1,225.67$11,299$598.92+$627.00EBSB
2$15,493$2,732.14$12,794$703.91+$2.7KEBSB
3$23,211$6,634.25$14,518$829.07+$8.7KEBSB
4$43,415$18,578.62$16,513$978.64+$26.9KEBSB
5$111,406$64,952.65$18,827$1,157.84+$92.6KEBSB
6$430,746$311,541.57$21,518$1,373.12+$409.2KEBSB
7$2,712,407$2,251,508.64$24,657$1,632.46+$2.69MEBSB
8$29,402,712$26,500,435.94$28,329$1,945.74+$29.37MEBSB
9$568,408,257$536,947,354.92$32,637$2,325.33+$568.38MEBSB
10$20,010,394,088$19,402,197,253.49$37,708$2,786.64+$20010.36MEBSB

EBSB vs BTI: Complete Analysis 2026

EBSBStock

Meridian Bancorp, Inc. operates as the holding company for East Boston Savings Bank that provides various financial products and services for individuals and businesses primarily in Suffolk, Norfolk, Middlesex, and Essex Counties, Massachusetts. The company accepts various deposit products, including non-interest-bearing demand deposits, such as checking accounts; interest-bearing demand accounts, such as NOW and money market accounts; savings accounts; and certificates of deposit, as well as commercial checking accounts. Its loan portfolio includes commercial real estate loans, which are secured by properties, such as office buildings, industrial facilities, and retail facilities; one- to four-family residential loans, such as mortgage loans that enable borrowers to purchase or refinance existing homes; multi-family real estate loans; construction loans; commercial and industrial loans; home equity lines of credit; and consumer loans, including automobile loans, loans secured by savings or certificate accounts, credit builders, and annuity and overdraft loans. In addition, the company offers non-deposit financial products, such as mutual funds, annuities, stocks, and bonds through third-party broker-dealer; and long-term care insurance products. It is also involved in the securities transactions business. The company operates 42 full-service locations, one mobile branch, and three loan centers. Meridian Bancorp, Inc. was founded in 1848 and is based in Peabody, Massachusetts.

Full EBSB 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.