Home › Compare › FRFC vs BTI

FRFC vs BTI: Dividend Comparison 2026

FRFC yields 2.16% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $12.4K in total portfolio value
10 years
FRFC
FRFC
● Live price
2.16%
Share price
$64.90
Annual div
$1.40
5Y div CAGR
10.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$25.3K
Annual income
$711.98
Full FRFC calculator →
BTI
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 — FRFC vs BTI

📍 BTI pulled ahead of the other in Year 1

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 PeriodFRFCBTI
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, FRFC + BTI cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

FRFC
Annual income on $10K today (after 15% tax)
$183.36/yr
After 10yr DRIP, annual income (after tax)
$605.18/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, BTI beats the other by $1,763.46/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FRFC: 50%BTI: 50%
100% BTI50/50100% FRFC
Portfolio after 10yr
$31.5K
Annual income
$1,749.31/yr
Blended yield
5.55%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FRFC
No analyst data
Altman Z
0.2
Piotroski
3/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
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)

FRFC buys
0
BTI buys
0
No recent congressional trades found for FRFC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFRFCBTI
Forward yield2.16%5.38% ✓
Annual dividend / share$1.40$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR10.2%11.3% ✓
Portfolio after 10y$25.3K$37.7K ✓
Annual income after 10y$711.98$2,786.64 ✓
Total dividends collected$4.4K$14.3K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearFRFC PortfolioFRFC Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,938$237.72$11,299$598.92$361.00 → BTI
2$11,971$267.79$12,794$703.91$823.00 → BTI
3$13,111$301.85$14,518$829.07$1.4K → BTI
4$14,369$340.48$16,513$978.64$2.1K → BTI
5$15,759$384.32$18,827$1,157.84$3.1K → BTI
6$17,297$434.10$21,518$1,373.12$4.2K → BTI
7$18,998$490.70$24,657$1,632.46$5.7K → BTI
8$20,883$555.09$28,329$1,945.74$7.4K → BTI
9$22,973$628.41$32,637$2,325.33$9.7K → BTI
10$25,293$711.98$37,708$2,786.64$12.4K → BTI

FRFC vs BTI: Complete Analysis 2026

FRFC — Stock

First Robinson Financial Corporation operates as the holding company for First Robinson Savings Bank, National Association that provides various banking products and financial services to individual and corporate customers. The company offers various deposit products, including checking, savings, money market, and individual retirement accounts; direct deposits; and certificates of deposit. Its loan portfolio comprises personal, home mortgage, home equity, auto, business term, agricultural, and commercial real estate loans, as well as business lines of credit. The company also offers ATM and debit card, mobile deposit, online and mobile banking, bill pay, credit card, e-statement, money transfer, wire transfer, notary, night depository, coin counting, fax, money orders, bounce protection, merchant card, and cash management services; and safe deposit boxes, cashier's checks, and trust and investment services. It operates 5 full-service offices; and serves customers in Crawford and surrounding counties in Illinois; and Knox and surrounding counties in Indiana. The company was incorporated in 1997 and is headquartered in Robinson, Illinois.

Full FRFC 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 FRFC vs BTI comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FRFC vs SCHDFRFC vs JEPIFRFC vs OFRFC vs KOFRFC 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.