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FCIT vs BTI: Dividend Comparison 2026

FCIT yields 3.15% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $13.3K in total portfolio value
10 years
FCIT
FCIT
● Live price
3.15%
Share price
$47.82
Annual div
$1.51
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.5K
Annual income
$385.70
Full FCIT calculator →
BTI
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 — FCIT vs BTI

📍 BTI 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 PeriodFCITBTI
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, FCIT + BTI cover 0 of 12 monthsgood coverage

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

FCIT
Annual income on $10K today (after 15% tax)
$267.67/yr
After 10yr DRIP, annual income (after tax)
$327.84/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 $2,054.10/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 FCIT + BTI for your $10,000?

FCIT: 50%BTI: 50%
100% BTI50/50100% FCIT
Portfolio after 10yr
$31.1K
Annual income
$1,593.99/yr
Blended yield
5.12%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FCIT
No analyst data
BTI
Analyst Ratings
12
Buy
4
Hold
2
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)

FCIT buys
0
BTI buys
0
No recent congressional trades found for FCIT or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFCITBTI
Forward yield3.15%5.40%
Annual dividend / share$1.51$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$24.5K$37.8K
Annual income after 10y$385.70$2,802.29
Total dividends collected$3.5K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearFCIT PortfolioFCIT Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,015$314.90$11,301$601.08$286.00BTI
2$12,110$324.17$12,799$706.58$689.00BTI
3$13,291$333.09$14,527$832.38$1.2KBTI
4$14,563$341.65$16,527$982.75$2.0KBTI
5$15,932$349.86$18,846$1,162.95$2.9KBTI
6$17,405$357.71$21,545$1,379.49$4.1KBTI
7$18,989$365.22$24,694$1,640.41$5.7KBTI
8$20,690$372.38$28,378$1,955.69$7.7KBTI
9$22,518$379.21$32,702$2,337.79$10.2KBTI
10$24,480$385.70$37,794$2,802.29$13.3KBTI

FCIT vs BTI: Complete Analysis 2026

FCITStock

First Citrus Bank, a $670 million commercial bank, was established in 1999 and is headquartered in Tampa. Ranked as one of the Top 100 Community Banks in 2021 by American Banker and named Top 5 SBA Lender in Tampa Bay for 2020 by the SBA. First Citrus Bank was selected as the Tampa Bay Chamber of Commerce 2019 Small Business of the Year and ranked as one of the Top 25 Commercial Loan Producers in the Nation by the magazine Independent Banker. It serves businesses and individuals through a range of tailored financial solutions specializing in personal and business banking services with six locations throughout Tampa Bay. First Citrus Bank enhances vibrancy throughout Tampa Bay by helping families become more financially secure and businesses economically successful. For additional information, please visit http://www.firstcitrus.com.

Full FCIT 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.