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ESSA vs BTI: Dividend Comparison 2026

ESSA yields 2.91% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 ESSA wins by $341.9K in total portfolio value· pulled ahead in Year 3
10 years
ESSA
ESSA
● Live price
2.91%
Share price
$20.61
Annual div
$0.60
5Y div CAGR
55.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$379.6K
Annual income
$210,681.63
Full ESSA 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 — ESSA vs BTI

📍 ESSA pulled ahead of the other in Year 3

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 PeriodESSABTI
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, ESSA + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

ESSA
Annual income on $10K today (after 15% tax)
$247.45/yr
After 10yr DRIP, annual income (after tax)
$179,079.39/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, ESSA beats the other by $176,710.74/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

ESSA: 50%BTI: 50%
100% BTI50/50100% ESSA
Portfolio after 10yr
$208.7K
Annual income
$106,734.14/yr
Blended yield
51.15%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

ESSA
No analyst data
Altman Z
-0.8
Piotroski
5/9
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)

ESSA buys
0
BTI buys
0
No recent congressional trades found for ESSA or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricESSABTI
Forward yield2.91%5.38%
Annual dividend / share$0.60$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR55.8%11.3%
Portfolio after 10y$379.6K$37.7K
Annual income after 10y$210,681.63$2,786.64
Total dividends collected$341.3K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearESSA PortfolioESSA Income/yrBTI PortfolioBTI Income/yrGap
1$11,154$453.57$11,299$598.92$145.00BTI
2$12,671$736.61$12,794$703.91$123.00BTI
3← crossover$14,776$1,218.47$14,518$829.07+$258.00ESSA
4$17,880$2,068.99$16,513$978.64+$1.4KESSA
5$22,777$3,645.32$18,827$1,157.84+$4.0KESSA
6$31,133$6,761.58$21,518$1,373.12+$9.6KESSA
7$46,769$13,457.28$24,657$1,632.46+$22.1KESSA
8$79,479$29,436.46$28,329$1,945.74+$51.1KESSA
9$157,882$72,839.13$32,637$2,325.33+$125.2KESSA
10$379,615$210,681.63$37,708$2,786.64+$341.9KESSA

ESSA vs BTI: Complete Analysis 2026

ESSAStock

ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania. The company accepts savings accounts, interest bearing demand accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs, and other qualified plan accounts, as well as commercial checking accounts. Its loan portfolio includes first mortgage loans for the purchase, construction, or refinancing of one- to four-family residential real estate property; commercial real estate loans; home equity loans and lines of credit; and commercial and other consumer loans, as well as loans secured by deposits and personal unsecured loans. In addition, the company offers insurance benefits consulting services, such as health insurance, life insurance, short term and long term disability, dental, vision, 401(K) retirement planning, and individual health products, as well as asset management and trust, and investment services. As of September 30, 2021, it operated 21 community offices, including seven offices in Monroe County, three offices in Lehigh County, five offices in Northampton County, one office in Lackawanna County, one office in Luzerne County, one office in Chester County, two offices in Delaware County, and one office in Montgomery County, Pennsylvania. The company was founded in 1916 and is headquartered in Stroudsburg, Pennsylvania.

Full ESSA 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.