Is EMCF or BTI a better dividend investment in 2026?

EMCF currently yields 68.61% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: EMCF offers higher current income.

What is the dividend yield difference between EMCF and BTI?

EMCF has a forward dividend yield of 68.61% ($21.68/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 63.23 percentage points.

Home › Compare › EMCF vs BTI

EMCF vs BTI: Dividend Comparison 2026

EMCF yields 68.61% · BTI yields 5.38%● Live data

vsPost on X →

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

🏆 EMCF wins by $159.74M in total portfolio value

INVESTMENT

TIME HORIZON10 years

EMCF

● Live price

68.61%

Share price

$31.60

Annual div

$21.68

5Y div CAGR

22.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$159.78M

Annual income

$115,005,568.27

Full EMCF 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 — EMCF vs BTI

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

EMCF 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.

EMCF

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

$5,831.65/yr

After 10yr DRIP, annual income (after tax)

$97,754,733.03/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, EMCF beats the other by $97,752,364.39/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 EMCF + BTI for your $10,000?

EMCF: 50%BTI: 50%

100% BTI50/50100% EMCF

Portfolio after 10yr

$79.91M

Annual income

$57,504,177.45/yr

Blended yield

71.96%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

EMCF

No analyst data

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

EMCF buys

BTI buys

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

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

MetricEMCFBTI

Forward yield	68.61% ✓	5.38%
Annual dividend / share	$21.68 ✓	$3.15
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	22.1% ✓	11.3%
Portfolio after 10y	$159.78M ✓	$37.7K
Annual income after 10y	$115,005,568.27 ✓	$2,786.64
Total dividends collected	$155.59M ✓	$14.3K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	EMCF Portfolio	EMCF Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$19,077	$8,376.99	$11,299	$598.92	+$7.8K → EMCF
2	$38,648	$18,236.00	$12,794	$703.91	+$25.9K → EMCF
3	$83,512	$42,158.28	$14,518	$829.07	+$69.0K → EMCF
4	$193,310	$103,951.94	$16,513	$978.64	+$176.8K → EMCF
5	$481,422	$274,580.27	$18,827	$1,157.84	+$462.6K → EMCF
6	$1,295,442	$780,320.52	$21,518	$1,373.12	+$1.27M → EMCF
7	$3,782,179	$2,396,056.69	$24,657	$1,632.46	+$3.76M → EMCF
8	$12,029,694	$7,982,762.21	$28,329	$1,945.74	+$12.00M → EMCF
9	$41,845,044	$28,973,271.57	$32,637	$2,325.33	+$41.81M → EMCF
10	$159,779,766	$115,005,568.27	$37,708	$2,786.64	+$159.74M → EMCF

EMCF vs BTI: Complete Analysis 2026

EMCF — Stock

Emclaire Financial Corp operates as the bank holding company for The Farmers National Bank of Emlenton that provides retail and commercial financial products and services to individuals and businesses in western Pennsylvania. The company's deposit products include checking, savings, and term certificate accounts; savings and time deposits; non-interest bearing and interest-bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, home equity loans, commercial business and commercial real estate loans, consumer loans, and loans to one borrower. The company operates a network of 19 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, and Pennsylvania. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.

Full EMCF 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.