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ELMA vs BTI: Dividend Comparison 2026

ELMA yields 2.54% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ELMA wins by $188.13M in total portfolio value· pulled ahead in Year 2
10 years
ELMA
ELMA
● Live price
2.54%
Share price
$23.60
Annual div
$0.60
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$188.16M
Annual income
$174,944,462.78
Full ELMA 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 — ELMA vs BTI

📍 ELMA 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 PeriodELMABTI
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, ELMA + BTI cover 0 of 12 monthsgood coverage

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

ELMA
Annual income on $10K today (after 15% tax)
$216.10/yr
After 10yr DRIP, annual income (after tax)
$148,702,793.36/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, ELMA beats the other by $148,700,424.72/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 ELMA + BTI for your $10,000?

ELMA: 50%BTI: 50%
100% BTI50/50100% ELMA
Portfolio after 10yr
$94.10M
Annual income
$87,473,624.71/yr
Blended yield
92.96%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

ELMA
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)

ELMA buys
0
BTI buys
0
No recent congressional trades found for ELMA or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricELMABTI
Forward yield2.54%5.38%
Annual dividend / share$0.60$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$188.16M$37.7K
Annual income after 10y$174,944,462.78$2,786.64
Total dividends collected$187.16M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearELMA PortfolioELMA Income/yrBTI PortfolioBTI Income/yrGap
1$11,208$508.47$11,299$598.92$91.00BTI
2← crossover$13,058$1,065.28$12,794$703.91+$264.00ELMA
3$16,292$2,319.80$14,518$829.07+$1.8KELMA
4$22,843$5,409.89$16,513$978.64+$6.3KELMA
5$38,619$14,177.48$18,827$1,157.84+$19.8KELMA
6$86,125$44,802.44$21,518$1,373.12+$64.6KELMA
7$278,910$186,756.08$24,657$1,632.46+$254.3KELMA
8$1,428,896$1,130,462.73$28,329$1,945.74+$1.40MELMA
9$12,354,210$10,825,291.75$32,637$2,325.33+$12.32MELMA
10$188,163,468$174,944,462.78$37,708$2,786.64+$188.13MELMA

ELMA vs BTI: Complete Analysis 2026

ELMAStock

Elmer Bancorp, Inc. operates as the bank holding company for The First National Bank of Elmer that provides various business and personal banking products and services. It provides checking, money market, savings, NOW, Christmas club, and individual retirement accounts; and certificates of deposit. The company also offers business loans comprising owner occupied real estate, investment real estate, agricultural, business expansion, vehicle, term, construction, and construction to permanent loans, as well as business lines of credit and letters of credit; and small business administration loans, term loans, home equity loans, lines of credit, residential mortgages, consumer loans, and commercial mortgages. In addition, it provides merchant, cash management, remote deposit capture, and electronic bill payments services; mobile, text message, and online banking services; VISA check cards; and debit and credit cards. The company offers its products and services through six full-service branch offices located in Cumberland, Gloucester, and Salem Counties, New Jersey. Elmer Bancorp, Inc. was founded in 1903 and is based in Elmer, New Jersey.

Full ELMA 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.