HomeCompareFSBH vs BTI

FSBH vs BTI: Dividend Comparison 2026

FSBH yields 12.50% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 FSBH wins by $7.9K in total portfolio value
10 years
FSBH
FSBH
● Live price
12.50%
Share price
$16.00
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.6K
Annual income
$2,723.30
Full FSBH 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 — FSBH vs BTI

📍 FSBH 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 PeriodFSBHBTI
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, FSBH + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

FSBH
Annual income on $10K today (after 15% tax)
$1,062.50/yr
After 10yr DRIP, annual income (after tax)
$2,314.81/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 $53.84/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

FSBH: 50%BTI: 50%
100% BTI50/50100% FSBH
Portfolio after 10yr
$41.6K
Annual income
$2,754.97/yr
Blended yield
6.62%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FSBH
No analyst data
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)

FSBH buys
0
BTI buys
0
No recent congressional trades found for FSBH or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricFSBHBTI
Forward yield12.50%5.38%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$45.6K$37.7K
Annual income after 10y$2,723.30$2,786.64
Total dividends collected$19.7K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearFSBH PortfolioFSBH Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,950$1,250.00$11,299$598.92+$651.00FSBH
2$14,183$1,396.03$12,794$703.91+$1.4KFSBH
3$16,724$1,548.45$14,518$829.07+$2.2KFSBH
4$19,601$1,706.45$16,513$978.64+$3.1KFSBH
5$22,842$1,869.18$18,827$1,157.84+$4.0KFSBH
6$26,477$2,035.76$21,518$1,373.12+$5.0KFSBH
7$30,536$2,205.33$24,657$1,632.46+$5.9KFSBH
8$35,050$2,377.00$28,329$1,945.74+$6.7KFSBH
9$40,053$2,549.93$32,637$2,325.33+$7.4KFSBH
10$45,580$2,723.30$37,708$2,786.64+$7.9KFSBH

FSBH vs BTI: Complete Analysis 2026

FSBHStock

FSBH Corp. operates as the bank holding company for First Southern Bank that provides banking services for individuals and corporate customers. The company offers checking, money market, savings, and certificates of deposit/IRAs, as well as overdrafts; and personal loan products, such as consumer, personal lines of credit, construction, mortgage, mobile home, home equity, and CD secured loans. It also provides commercial, commercial real estate, small business, agriculture, line of credit, and equipment loans; and ACH cash management, business online banking and bill pay, remote deposit capture, eStatement, merchant, and online cash management services. In addition, the company offers money transfer and payment, as well as mobile and telephone banking services, as well as credit cards and insurance. It operates 5 branches serving the areas of Southern Georgia and West Central Florida. The company was founded in 1907 and is based in Waycross, Georgia.

Full FSBH 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 →
📬

Get this FSBH vs BTI comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FSBH vs SCHDFSBH vs JEPIFSBH vs OFSBH vs KOFSBH 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.