Is FCAFF or BTI a better dividend investment in 2026?

FCAFF currently yields 72.73% with a 5% 5-year dividend growth rate. BTI yields 5.40% with 5% growth. The better choice depends on your goal: FCAFF offers higher current income.

What is the dividend yield difference between FCAFF and BTI?

FCAFF has a forward dividend yield of 72.73% ($2.00/share annually). BTI yields 5.40% ($3.15/share annually). The yield gap is 67.33 percentage points.

Home › Compare › FCAFF vs BTI

FCAFF vs BTI: Dividend Comparison 2026

FCAFF yields 72.73% · BTI yields 5.40%● Live data

vsPost on X →

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

🏆 BTI wins by $2.8K in total portfolio value· pulled ahead in Year 9

INVESTMENT

TIME HORIZON10 years

FCAFF

● Live price

72.73%

Share price

$2.75

Annual div

$2.00

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$35.0K

Annual income

$12.62

Full FCAFF calculator →

BTI

● Live price

5.40%

Share price

$58.26

Annual div

$3.15

5Y div CAGR

11.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$37.8K

Annual income

$2,802.29

Full BTI calculator →

Portfolio growth — FCAFF vs BTI

📍 BTI pulled ahead of the other in Year 9

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	FCAFF	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, FCAFF + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FCAFF pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FCAFF

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

$6,181.82/yr

After 10yr DRIP, annual income (after tax)

$10.73/yr

BTI

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

$459.05/yr

After 10yr DRIP, annual income (after tax)

$2,381.95/yr

At 15% tax rate, BTI beats the other by $2,371.22/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 FCAFF + BTI for your $10,000?

FCAFF: 50%BTI: 50%

100% BTI50/50100% FCAFF

Portfolio after 10yr

$36.4K

Annual income

$1,407.45/yr

Blended yield

3.87%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FCAFF

No analyst data

Altman Z

-0.4

Piotroski

5/9

BTI

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$40.00

-31.3% 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)

FCAFF buys

BTI buys

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

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

MetricFCAFFBTI

Forward yield	72.73% ✓	5.40%
Annual dividend / share	$2.00	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	11.3% ✓
Portfolio after 10y	$35.0K	$37.8K ✓
Annual income after 10y	$12.62	$2,802.29 ✓
Total dividends collected	$9.0K	$14.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	FCAFF Portfolio	FCAFF Income/yr	BTI Portfolio	BTI Income/yr	Gap
1	$14,336	$3,636.36	$11,301	$601.08	+$3.0K → FCAFF
2	$17,776	$2,436.09	$12,799	$706.58	+$5.0K → FCAFF
3	$20,432	$1,411.48	$14,527	$832.38	+$5.9K → FCAFF
4	$22,620	$758.11	$16,527	$982.75	+$6.1K → FCAFF
5	$24,596	$392.20	$18,846	$1,162.95	+$5.8K → FCAFF
6	$26,517	$199.28	$21,545	$1,379.49	+$5.0K → FCAFF
7	$28,473	$100.39	$24,694	$1,640.41	+$3.8K → FCAFF
8	$30,517	$50.37	$28,378	$1,955.69	+$2.1K → FCAFF
9← crossover	$32,678	$25.23	$32,702	$2,337.79	$24.00 → BTI
10	$34,978	$12.62	$37,794	$2,802.29	$2.8K → BTI

FCAFF vs BTI: Complete Analysis 2026

FCAFF — Stock

Firm Capital Apartment Real Estate Investment Trust operates as a multi-residential real estate investment company in the United States. It owns interest in approximately 1,846 apartment units located in Florida, Connecticut, Texas, New York, New Jersey, Georgia, and Maryland; and provides preferred capital secured by multi-family residential real estate properties. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was formerly known as Firm Capital American Realty Partners Trust and changed its name to Firm Capital Apartment Real Estate Investment Trust in September 2020. Firm Capital Apartment Real Estate Investment Trust is headquartered in Toronto, Canada.

Full FCAFF 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.