HomeCompareFNCB vs BTI

FNCB vs BTI: Dividend Comparison 2026

FNCB yields 5.33% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FNCB wins by $8883.17M in total portfolio value
10 years
FNCB
FNCB
● Live price
5.33%
Share price
$6.75
Annual div
$0.36
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$8883.21M
Annual income
$8,574,363,139.05
Full FNCB 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 — FNCB vs BTI

📍 FNCB 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 PeriodFNCBBTI
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, FNCB + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FNCB
Annual income on $10K today (after 15% tax)
$453.33/yr
After 10yr DRIP, annual income (after tax)
$7,288,208,668.19/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, FNCB beats the other by $7,288,206,286.25/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FNCB: 50%BTI: 50%
100% BTI50/50100% FNCB
Portfolio after 10yr
$4441.62M
Annual income
$4,287,182,970.67/yr
Blended yield
96.52%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FNCB
No analyst data
Altman Z
-0.5
Piotroski
6/9
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)

FNCB buys
0
BTI buys
0
No recent congressional trades found for FNCB or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFNCBBTI
Forward yield5.33%5.40%
Annual dividend / share$0.36$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$8883.21M$37.8K
Annual income after 10y$8,574,363,139.05$2,802.29
Total dividends collected$8861.64M$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearFNCB PortfolioFNCB Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,767$1,066.67$11,301$601.08+$466.00FNCB
2$14,936$2,346.00$12,799$706.58+$2.1KFNCB
3$21,548$5,566.28$14,527$832.38+$7.0KFNCB
4$38,066$15,009.89$16,527$982.75+$21.5KFNCB
5$90,294$49,562.78$18,846$1,162.95+$71.4KFNCB
6$316,359$219,744.51$21,545$1,379.49+$294.8KFNCB
7$1,777,588$1,439,083.97$24,694$1,640.41+$1.75MFNCB
8$17,016,157$15,114,137.40$28,378$1,955.69+$16.99MFNCB
9$288,640,446$270,433,158.69$32,702$2,337.79+$288.61MFNCB
10$8,883,208,417$8,574,363,139.05$37,794$2,802.29+$8883.17MFNCB

FNCB vs BTI: Complete Analysis 2026

FNCBStock

FNCB Bancorp, Inc. operates as the bank holding company for FNCB Bank that provides retail and commercial banking services to individuals, businesses, local governments, and municipalities in Northeastern Pennsylvania. The company offers checking, savings, money market, and certificate of deposit products. It also provides residential mortgage loans, and home equity term loans and lines of credit; construction, land acquisition, and development loans; commercial real estate loans; commercial and industrial loans; consumer loans, such as secured and unsecured installment loans, automobile financing, lines of credit, and overdraft protection loans; state and political subdivision loans and leases; and purchased loans. In addition, the company offers debit cards; mobile and telephone banking, check imaging, and electronic statement services; remote deposit capture, merchant, treasury, and purchasing card services; and wealth management services. As of January 28, 2022, it operated 17 community offices located in Lackawanna, Luzerne, and Wayne Counties. The company was formerly known as First National Community Bancorp, Inc. and changed its name to FNCB Bancorp, Inc. in October 2016. FNCB Bancorp, Inc. was founded in 1910 and is headquartered in Dunmore, Pennsylvania.

Full FNCB 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.

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.