Is ESBS or BTI a better dividend investment in 2026?

ESBS currently yields 29.85% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: ESBS offers higher current income.

What is the dividend yield difference between ESBS and BTI?

ESBS has a forward dividend yield of 29.85% ($2.00/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 24.47 percentage points.

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ESBS vs BTI: Dividend Comparison 2026

ESBS yields 29.85% · BTI yields 5.38%● Live data

vsPost on X →

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

🏆 ESBS wins by $93.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

ESBS

● Live price

29.85%

Share price

$6.70

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$131.2K

Annual income

$17,289.99

Full ESBS 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 — ESBS vs BTI

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

ESBS pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

ESBS

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

$2,537.31/yr

After 10yr DRIP, annual income (after tax)

$14,696.49/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, ESBS beats the other by $12,327.85/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 ESBS + BTI for your $10,000?

ESBS: 50%BTI: 50%

100% BTI50/50100% ESBS

Portfolio after 10yr

$84.5K

Annual income

$10,038.31/yr

Blended yield

11.88%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

ESBS

No analyst data

Altman Z

0.2

Piotroski

4/9

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

ESBS buys

BTI buys

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

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

MetricESBSBTI

Forward yield	29.85% ✓	5.38%
Annual dividend / share	$2.00	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	11.3% ✓
Portfolio after 10y	$131.2K ✓	$37.7K
Annual income after 10y	$17,289.99 ✓	$2,786.64
Total dividends collected	$89.4K ✓	$14.3K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	ESBS Portfolio	ESBS Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$13,685	$2,985.07	$11,299	$598.92	+$2.4K → ESBS
2	$18,461	$3,817.85	$12,794	$703.91	+$5.7K → ESBS
3	$24,566	$4,813.27	$14,518	$829.07	+$10.0K → ESBS
4	$32,272	$5,986.12	$16,513	$978.64	+$15.8K → ESBS
5	$41,881	$7,349.34	$18,827	$1,157.84	+$23.1K → ESBS
6	$53,726	$8,913.51	$21,518	$1,373.12	+$32.2K → ESBS
7	$68,173	$10,686.48	$24,657	$1,632.46	+$43.5K → ESBS
8	$85,618	$12,673.05	$28,329	$1,945.74	+$57.3K → ESBS
9	$106,486	$14,874.79	$32,637	$2,325.33	+$73.8K → ESBS
10	$131,230	$17,289.99	$37,708	$2,786.64	+$93.5K → ESBS

ESBS vs BTI: Complete Analysis 2026

ESBS — Stock

ES Bancshares, Inc., through its subsidiary, Empire State Bank, provides various commercial banking products and services in New York. The company offers various deposit products, including personal and business checking and money market accounts, personal and business savings accounts, individual retirement accounts, and certificates of deposits. It also provides SBA loans and lines of credit, commercial term loans, commercial letters of credit, and commercial real estate loans, as well as mortgage loans secured by one-to four-family residences. In addition, the company offers debit card, direct deposit, automatic loan payment and transfer, combined statement, remote deposit, cash and escrow management, wire transfer, night depository, and online and telephone banking services. ES Bancshares, Inc. was founded in 2004 and is based in Newburgh, New York.

Full ESBS 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.