HomeCompareESBK vs BTI

ESBK vs BTI: Dividend Comparison 2026

ESBK yields 69.69% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ESBK wins by $3.0K in total portfolio value
10 years
ESBK
ESBK
● Live price
69.69%
Share price
$23.08
Annual div
$16.08
5Y div CAGR
-42.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.8K
Annual income
$57.96
Full ESBK 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 — ESBK vs BTI

📍 ESBK 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 PeriodESBKBTI
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, ESBK + BTI cover 0 of 12 monthsgood coverage

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

ESBK
Annual income on $10K today (after 15% tax)
$5,923.71/yr
After 10yr DRIP, annual income (after tax)
$49.27/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 $2,319.38/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ESBK: 50%BTI: 50%
100% BTI50/50100% ESBK
Portfolio after 10yr
$39.2K
Annual income
$1,422.30/yr
Blended yield
3.63%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

ESBK
No analyst data
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ESBK buys
0
BTI buys
0
No recent congressional trades found for ESBK or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESBKBTI
Forward yield69.69%5.38%
Annual dividend / share$16.08$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-42.4%11.3%
Portfolio after 10y$40.8K$37.7K
Annual income after 10y$57.96$2,786.64
Total dividends collected$12.8K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearESBK PortfolioESBK Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$14,714$4,014.19$11,299$598.92+$3.4KESBK
2$18,924$3,179.60$12,794$703.91+$6.1KESBK
3$22,450$2,201.32$14,518$829.07+$7.9KESBK
4$25,427$1,405.81$16,513$978.64+$8.9KESBK
5$28,064$857.13$18,827$1,157.84+$9.2KESBK
6$30,538$509.26$21,518$1,373.12+$9.0KESBK
7$32,974$298.31$24,657$1,632.46+$8.3KESBK
8$35,455$173.40$28,329$1,945.74+$7.1KESBK
9$38,038$100.37$32,637$2,325.33+$5.4KESBK
10$40,758$57.96$37,708$2,786.64+$3.0KESBK

ESBK vs BTI: Complete Analysis 2026

ESBKStock

Elmira Savings Bank provides financial services to consumers and businesses. It offers savings and money market accounts, time deposits, retail and commercial checking accounts, and NOW accounts; certificates of deposit; residential and commercial real estate, construction, commercial loans, as well as consumer loans, comprising of installment loans, overdraft line of credit, and home equity loans; and mortgage loans secured by first and second liens on one-to-four family residences. The company also operates a real estate investment trust; and provides financial planning advisory services. The company operates through a network of twelve full-service offices located in Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties; and one limited service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.

Full ESBK 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.

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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.