Is FFDF or BTI a better dividend investment in 2026?

FFDF currently yields 2.93% 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 FFDF and BTI?

FFDF has a forward dividend yield of 2.93% ($1.29/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 2.45 percentage points.

Home › Compare › FFDF vs BTI

FFDF vs BTI: Dividend Comparison 2026

FFDF yields 2.93% · BTI yields 5.38%● Live data

vsPost on X →

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

🏆 FFDF wins by $220.79M in total portfolio value· pulled ahead in Year 2

INVESTMENT

TIME HORIZON10 years

FFDF

● Live price

2.93%

Share price

$44.00

Annual div

$1.29

5Y div CAGR

97.1%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$220.83M

Annual income

$205,265,331.88

Full FFDF 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 — FFDF vs BTI

📍 FFDF pulled ahead of the other in Year 2

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	FFDF	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%.

📅

Dividend Calendar Overlap

Combined, FFDF + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FFDF pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

FFDF

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

$249.20/yr

After 10yr DRIP, annual income (after tax)

$174,475,532.10/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, FFDF beats the other by $174,473,163.45/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

FFDF: 50%BTI: 50%

100% BTI50/50100% FFDF

Portfolio after 10yr

$110.43M

Annual income

$102,634,059.26/yr

Blended yield

92.94%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FFDF

No analyst data

Altman Z

0.0

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.

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FFDF buys

BTI buys

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

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

MetricFFDFBTI

Forward yield	2.93%	5.38% ✓
Annual dividend / share	$1.29	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	97.1% ✓	11.3%
Portfolio after 10y	$220.83M ✓	$37.7K
Annual income after 10y	$205,265,331.88 ✓	$2,786.64
Total dividends collected	$219.65M ✓	$14.3K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	FFDF Portfolio	FFDF Income/yr	BTI Portfolio	BTI Income/yr	Gap
1	$11,278	$577.86	$11,299	$598.92	$21.00 → BTI
2← crossover	$13,268	$1,200.48	$12,794	$703.91	+$474.00 → FFDF
3	$16,798	$2,601.52	$14,518	$829.07	+$2.3K → FFDF
4	$24,041	$6,067.24	$16,513	$978.64	+$7.5K → FFDF
5	$41,719	$15,995.23	$18,827	$1,157.84	+$22.9K → FFDF
6	$95,769	$51,129.86	$21,518	$1,373.12	+$74.3K → FFDF
7	$318,679	$216,206.07	$24,657	$1,632.46	+$294.0K → FFDF
8	$1,666,236	$1,325,249.32	$28,329	$1,945.74	+$1.64M → FFDF
9	$14,546,762	$12,763,889.00	$32,637	$2,325.33	+$14.51M → FFDF
10	$220,830,367	$205,265,331.88	$37,708	$2,786.64	+$220.79M → FFDF

FFDF vs BTI: Complete Analysis 2026

FFDF — Stock

FFD Financial Corporation operates as the bank holding company for First Federal Community Bank, National Association that provides various banking products and services. The company accepts checking and savings accounts. Its loan products include auto, boat, personal, term, commercial real estate, equipment, and home mortgage loans; and home equity and business lines of credit. The company also offers debit and credit cards; property and casualty insurance products; and cash management, overdraft, e-statement, direct deposit, bill pay, wire transfers, safe deposit boxes, night depository, and teller services, as well as online, telephone, and mobile banking services. It operates branches in Dover, New Philadelphia, Uhrichsville, Berlin, Mt. Hope, and Sugarcreek, Ohio. FFD Financial Corporation was founded in 1898 and is based in Dover, Ohio.

Full FFDF 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 →

📬

Get this FFDF vs BTI comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FFDF vs SCHD FFDF vs JEPI FFDF vs O FFDF vs KO FFDF vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.