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FPBC vs BTI: Dividend Comparison 2026

FPBC yields 38.83% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FPBC wins by $179.8K in total portfolio value
10 years
FPBC
FPBC
● Live price
38.83%
Share price
$5.15
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$217.6K
Annual income
$35,869.49
Full FPBC 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 — FPBC vs BTI

📍 FPBC 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 PeriodFPBCBTI
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, FPBC + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
FPBC 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.

FPBC
Annual income on $10K today (after 15% tax)
$3,300.97/yr
After 10yr DRIP, annual income (after tax)
$30,489.07/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, FPBC beats the other by $28,107.12/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FPBC: 50%BTI: 50%
100% BTI50/50100% FPBC
Portfolio after 10yr
$127.7K
Annual income
$19,335.89/yr
Blended yield
15.14%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FPBC
No analyst data
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)

FPBC buys
0
BTI buys
0
No recent congressional trades found for FPBC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFPBCBTI
Forward yield38.83%5.40%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$217.6K$37.8K
Annual income after 10y$35,869.49$2,802.29
Total dividends collected$162.2K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearFPBC PortfolioFPBC Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$14,583$3,883.50$11,301$601.08+$3.3KFPBC
2$20,897$5,292.98$12,799$706.58+$8.1KFPBC
3$29,448$7,088.36$14,527$832.38+$14.9KFPBC
4$40,845$9,335.44$16,527$982.75+$24.3KFPBC
5$55,806$12,101.25$18,846$1,162.95+$37.0KFPBC
6$75,164$15,451.93$21,545$1,379.49+$53.6KFPBC
7$99,876$19,450.49$24,694$1,640.41+$75.2KFPBC
8$131,022$24,154.48$28,378$1,955.69+$102.6KFPBC
9$169,807$29,613.95$32,702$2,337.79+$137.1KFPBC
10$217,563$35,869.49$37,794$2,802.29+$179.8KFPBC

FPBC vs BTI: Complete Analysis 2026

FPBCStock

First Pacific Bancorp operates as a bank holding company for First Pacific Bank that provides various financial and banking products and services. It offers deposit products, including checking, savings, money market, NOW, and individual retirement accounts, as well as certificate of deposit. The company also provides loan products, such as real estate construction, 1-4 family, commercial real estate, and commercial and industrial loans; small business administration; consumer and personal loans; home equity lines of credit; letters of credit; and business and personal credit cards. In addition, it offers cash management services and solutions, including insured cash sweep, remote deposit capture, automated clearing house, sweep accounts, wire transfers, Positive Pay, and online and mobile banking services. Further, the company provides specialty lending and financing solutions for construction and manufacturing equipment; healthcare equipment; computer hardware and software; network and phone communications systems; and office furniture, as well as bespoke solutions. The company serves small and middle-market businesses, and individuals in the Los Angeles, Orange, San Bernardino, and San Diego County areas of California. It operates branches in Whittier, Santa Fe Springs, Orange, Redlands, and San Diego, California. The company was formerly known as Friendly Hills Bancorp and changed its name to First Pacific Bancorp in September 2023. First Pacific Bancorp was founded in 2006 and is based in Whittier, California.

Full FPBC 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.