HomeCompareFISB vs BTI

FISB vs BTI: Dividend Comparison 2026

FISB yields 14.29% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $15.6K in total portfolio value· pulled ahead in Year 2
10 years
FISB
FISB
● Live price
14.29%
Share price
$14.00
Annual div
$2.00
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.2K
Annual income
$1.58
Full FISB 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 — FISB vs BTI

📍 BTI pulled ahead of the other in Year 2

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 PeriodFISBBTI
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, FISB + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
FISB pays
BTI pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

FISB
Annual income on $10K today (after 15% tax)
$1,214.29/yr
After 10yr DRIP, annual income (after tax)
$1.34/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 $2,380.60/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FISB: 50%BTI: 50%
100% BTI50/50100% FISB
Portfolio after 10yr
$30.0K
Annual income
$1,401.93/yr
Blended yield
4.67%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FISB
No analyst data
Altman Z
-0.5
Piotroski
3/9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FISB buys
0
BTI buys
0
No recent congressional trades found for FISB or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFISBBTI
Forward yield14.29%5.40%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%11.3%
Portfolio after 10y$22.2K$37.8K
Annual income after 10y$1.58$2,802.29
Total dividends collected$1.5K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearFISB PortfolioFISB Income/yrBTI PortfolioBTI Income/yrGap
1$11,414$714.29$11,301$601.08+$113.00FISB
2← crossover$12,594$380.98$12,799$706.58$205.00BTI
3$13,672$196.43$14,527$832.38$855.00BTI
4$14,729$99.65$16,527$982.75$1.8KBTI
5$15,810$50.16$18,846$1,162.95$3.0KBTI
6$16,942$25.16$21,545$1,379.49$4.6KBTI
7$18,141$12.60$24,694$1,640.41$6.6KBTI
8$19,417$6.30$28,378$1,955.69$9.0KBTI
9$20,779$3.15$32,702$2,337.79$11.9KBTI
10$22,235$1.58$37,794$2,802.29$15.6KBTI

FISB vs BTI: Complete Analysis 2026

FISBStock

1st Capital Bancorp operates as the bank holding company for 1st Capital Bank that provides various banking products and services for businesses, professionals, real estate investors, family commercial entities, and individuals in the Central Coast region of California. The company accepts various deposit products, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposits; and debit cards and check orders. It also offers consumer lending solutions; business, agriculture and wine industry, and commercial real estate lending products; personal loans for business owners; and small business administration and government guaranteed lending solutions. In addition, the company invests in securities; provides online, mobile, and telephone banking services; and offers remote check scanning, remote branch deposit, electronic bill payment, remote ACH origination, and remote wire transfer request, as well as cash management services. It serves customers through full-service branch offices in Monterey, Salinas, King City, San Luis Obispo, and Santa Cruz. The company was founded in 2007 and is headquartered in Salinas, California.

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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.