Is EXCH or BTI a better dividend investment in 2026?

EXCH currently yields 2.23% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: BTI offers higher current income.

What is the dividend yield difference between EXCH and BTI?

EXCH has a forward dividend yield of 2.23% ($1.56/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 3.15 percentage points.

Home › Compare › EXCH vs BTI

EXCH vs BTI: Dividend Comparison 2026

EXCH yields 2.23% · BTI yields 5.38%● Live data

vsPost on X →

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

🏆 EXCH wins by $432.8K in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

EXCH

● Live price

2.23%

Share price

$70.00

Annual div

$1.56

5Y div CAGR

63.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$470.6K

Annual income

$284,397.12

Full EXCH 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 — EXCH vs BTI

📍 EXCH pulled ahead of the other in Year 4

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	EXCH	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, EXCH + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

EXCH pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

EXCH

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

$189.43/yr

After 10yr DRIP, annual income (after tax)

$241,737.55/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, EXCH beats the other by $239,368.91/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 EXCH + BTI for your $10,000?

EXCH: 50%BTI: 50%

100% BTI50/50100% EXCH

Portfolio after 10yr

$254.1K

Annual income

$143,591.88/yr

Blended yield

56.50%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

EXCH

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)

EXCH buys

BTI buys

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

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

MetricEXCHBTI

Forward yield	2.23%	5.38% ✓
Annual dividend / share	$1.56	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	63.3% ✓	11.3%
Portfolio after 10y	$470.6K ✓	$37.7K
Annual income after 10y	$284,397.12 ✓	$2,786.64
Total dividends collected	$431.3K ✓	$14.3K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	EXCH Portfolio	EXCH Income/yr	BTI Portfolio	BTI Income/yr	Gap
1	$11,064	$363.93	$11,299	$598.92	$235.00 → BTI
2	$12,453	$614.50	$12,794	$703.91	$341.00 → BTI
3	$14,380	$1,055.57	$14,518	$829.07	$138.00 → BTI
4← crossover	$17,247	$1,860.31	$16,513	$978.64	+$734.00 → EXCH
5	$21,860	$3,405.17	$18,827	$1,157.84	+$3.0K → EXCH
6	$29,976	$6,586.68	$21,518	$1,373.12	+$8.5K → EXCH
7	$45,860	$13,785.00	$24,657	$1,632.46	+$21.2K → EXCH
8	$81,256	$32,185.58	$28,329	$1,945.74	+$52.9K → EXCH
9	$173,977	$87,033.18	$32,637	$2,325.33	+$141.3K → EXCH
10	$470,552	$284,397.12	$37,708	$2,786.64	+$432.8K → EXCH

EXCH vs BTI: Complete Analysis 2026

EXCH — Stock

Exchange Bankshares, Inc. operates as the holding company for Exchange Bank that provides personal and business banking products and services in Georgia. It offers checking and savings accounts; and mortgage, real estate, consumer, commercial, and home equity loans. The company also provides cash management, internet and mobile banking, travel club, bill payment, and merchant services, as well as credit cards. In addition, it offers investment management, financial advising, insurance and annuity products, retirement planning, retirement plan rollovers, business retirement plans, and life insurance services. The company was founded in 1903 and is based in Milledgeville, Georgia.

Full EXCH 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.