Is FFWC or BTI a better dividend investment in 2026?

FFWC currently yields 2.52% with a 5% 5-year dividend growth rate. BTI yields 5.40% with 5% growth. The better choice depends on your goal: BTI offers higher current income.

What is the dividend yield difference between FFWC and BTI?

FFWC has a forward dividend yield of 2.52% ($1.23/share annually). BTI yields 5.40% ($3.15/share annually). The yield gap is 2.88 percentage points.

Home › Compare › FFWC vs BTI

FFWC vs BTI: Dividend Comparison 2026

FFWC yields 2.52% · BTI yields 5.40%● Live data

vsPost on X →

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

🏆 FFWC wins by $7.7K in total portfolio value· pulled ahead in Year 8

INVESTMENT

TIME HORIZON10 years

FFWC

● Live price

2.52%

Share price

$48.75

Annual div

$1.23

5Y div CAGR

30.6%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$45.5K

Annual income

$7,104.58

Full FFWC 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 — FFWC vs BTI

📍 FFWC pulled ahead of the other in Year 8

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

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FFWC 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.

FFWC

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

$214.46/yr

After 10yr DRIP, annual income (after tax)

$6,038.89/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, FFWC beats the other by $3,656.95/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 FFWC + BTI for your $10,000?

FFWC: 50%BTI: 50%

100% BTI50/50100% FFWC

Portfolio after 10yr

$41.6K

Annual income

$4,953.43/yr

Blended yield

11.90%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FFWC

No analyst data

Altman Z

0.3

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)

FFWC buys

BTI buys

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

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

MetricFFWCBTI

Forward yield	2.52%	5.40% ✓
Annual dividend / share	$1.23	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	30.6% ✓	11.3%
Portfolio after 10y	$45.5K ✓	$37.8K
Annual income after 10y	$7,104.58 ✓	$2,802.29
Total dividends collected	$22.2K ✓	$14.4K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	FFWC Portfolio	FFWC Income/yr	BTI Portfolio	BTI Income/yr	Gap
1	$11,030	$329.51	$11,301	$601.08	$271.00 → BTI
2	$12,245	$443.60	$12,799	$706.58	$554.00 → BTI
3	$13,703	$601.11	$14,527	$832.38	$824.00 → BTI
4	$15,484	$821.07	$16,527	$982.75	$1.0K → BTI
5	$17,700	$1,132.37	$18,846	$1,162.95	$1.1K → BTI
6	$20,519	$1,579.95	$21,545	$1,379.49	$1.0K → BTI
7	$24,191	$2,235.55	$24,694	$1,640.41	$503.00 → BTI
8← crossover	$29,101	$3,216.92	$28,378	$1,955.69	+$723.00 → FFWC
9	$35,862	$4,723.44	$32,702	$2,337.79	+$3.2K → FFWC
10	$45,477	$7,104.58	$37,794	$2,802.29	+$7.7K → FFWC

FFWC vs BTI: Complete Analysis 2026

FFWC — Stock

FFW Corporation operates as the bank holding company for Crossroads Bank that provides various banking products and services. The company offers checking and savings accounts, overdraft protection, consumer credit cards, and reorder checks. Its loan products include home equity, auto, RV, boat, motorcycle, and personal loans; mortgage loans; agricultural loans; commercial real estate equipment financing; revolving lines of credit and standby letters of credit; and equipment leasing, as well as commercial lending services. The company offers insurance products, such as auto, home and property, business, life and health, and specialty insurance; investment products and securities; and digital banking services. FFW Corporation was founded in 1920 and is based in Wabash, Indiana.

Full FFWC 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.