Is FDVA or BTI a better dividend investment in 2026?

FDVA currently yields 16.81% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: FDVA offers higher current income.

What is the dividend yield difference between FDVA and BTI?

FDVA has a forward dividend yield of 16.81% ($2.00/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 11.43 percentage points.

Home › Compare › FDVA vs BTI

FDVA vs BTI: Dividend Comparison 2026

FDVA yields 16.81% · BTI yields 5.38%● Live data

vsPost on X →

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

🏆 FDVA wins by $22.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FDVA

● Live price

16.81%

Share price

$11.90

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$59.9K

Annual income

$4,715.86

Full FDVA 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 — FDVA vs BTI

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FDVA pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FDVA

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

$1,428.57/yr

After 10yr DRIP, annual income (after tax)

$4,008.48/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, FDVA beats the other by $1,639.84/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 FDVA + BTI for your $10,000?

FDVA: 50%BTI: 50%

100% BTI50/50100% FDVA

Portfolio after 10yr

$48.8K

Annual income

$3,751.25/yr

Blended yield

7.69%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FDVA

No analyst data

Altman Z

-0.5

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)

FDVA buys

BTI buys

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

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

MetricFDVABTI

Forward yield	16.81% ✓	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	$59.9K ✓	$37.7K
Annual income after 10y	$4,715.86 ✓	$2,786.64
Total dividends collected	$31.0K ✓	$14.3K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	FDVA Portfolio	FDVA Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$12,381	$1,680.67	$11,299	$598.92	+$1.1K → FDVA
2	$15,192	$1,944.66	$12,794	$703.91	+$2.4K → FDVA
3	$18,486	$2,230.13	$14,518	$829.07	+$4.0K → FDVA
4	$22,316	$2,536.09	$16,513	$978.64	+$5.8K → FDVA
5	$26,739	$2,861.26	$18,827	$1,157.84	+$7.9K → FDVA
6	$31,815	$3,204.12	$21,518	$1,373.12	+$10.3K → FDVA
7	$37,605	$3,562.95	$24,657	$1,632.46	+$12.9K → FDVA
8	$44,173	$3,935.86	$28,329	$1,945.74	+$15.8K → FDVA
9	$51,586	$4,320.86	$32,637	$2,325.33	+$18.9K → FDVA
10	$59,913	$4,715.86	$37,708	$2,786.64	+$22.2K → FDVA

FDVA vs BTI: Complete Analysis 2026

FDVA — Stock

Freedom Financial Holdings, Inc. operates as the bank holding company for The Freedom Bank of Virginia that provides commercial banking, personal banking, and mortgage banking solutions. The company offers personal and business checking accounts, interest-bearing business savings accounts, money market accounts, personal savings accounts, certificates of deposits, and IRAs, as well as insured cash sweep and certificate of deposit account registry services. It also provides business term, personal, and mortgage loans; commercial lines of credit; commercial real estate mortgage and small business lending services; home equity lines; and credit cards. In addition, the company offers treasury management, online and mobile banking, remote deposit capture, ACH, wire transfer, and fraud prevention services; business valuation, bank-at-work, and merchant services; and prestige banking services. It operates branch offices in Vienna, Fairfax, Chantilly, Reston, and Manassas, Virginia. The company was founded in 2001 and is based in Fairfax, Virginia.

Full FDVA 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.