Is FSRL or BTI a better dividend investment in 2026?

FSRL currently yields 14.55% with a 5% 5-year dividend growth rate. BTI yields 5.40% with 5% growth. The better choice depends on your goal: FSRL offers higher current income.

What is the dividend yield difference between FSRL and BTI?

FSRL has a forward dividend yield of 14.55% ($2.00/share annually). BTI yields 5.40% ($3.15/share annually). The yield gap is 9.15 percentage points.

Home › Compare › FSRL vs BTI

FSRL vs BTI: Dividend Comparison 2026

FSRL yields 14.55% · BTI yields 5.40%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 FSRL wins by $14.2K in total portfolio value

INVESTMENT

TIME HORIZON10 years

FSRL

● Live price

14.55%

Share price

$13.75

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$52.0K

Annual income

$3,576.85

Full FSRL calculator →

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 — FSRL vs BTI

📍 FSRL 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 Period	FSRL	BTI
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, FSRL + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FSRL 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.

FSRL

Annual income on $10K today (after 15% tax)

$1,236.36/yr

After 10yr DRIP, annual income (after tax)

$3,040.32/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, FSRL beats the other by $658.38/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

FSRL: 50%BTI: 50%

100% BTI50/50100% FSRL

Portfolio after 10yr

$44.9K

Annual income

$3,189.56/yr

Blended yield

7.11%

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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

FSRL

Analyst Ratings

Buy

Consensus: Buy

Altman Z

-0.6

Piotroski

4/9

BTI

Analyst Ratings

Buy

Hold

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FSRL buys

BTI buys

No recent congressional trades found for FSRL or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricFSRLBTI

Forward yield	14.55% ✓	5.40%
Annual dividend / share	$2.00	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	11.3% ✓
Portfolio after 10y	$52.0K ✓	$37.8K
Annual income after 10y	$3,576.85 ✓	$2,802.29
Total dividends collected	$24.7K ✓	$14.4K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples
Analyst consensus	Buy	Buy

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

Year	FSRL Portfolio	FSRL Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$12,155	$1,454.55	$11,301	$601.08	+$854.00 → FSRL
2	$14,658	$1,652.27	$12,799	$706.58	+$1.9K → FSRL
3	$17,546	$1,862.19	$14,527	$832.38	+$3.0K → FSRL
4	$20,857	$2,083.29	$16,527	$982.75	+$4.3K → FSRL
5	$24,632	$2,314.47	$18,846	$1,162.95	+$5.8K → FSRL
6	$28,911	$2,554.50	$21,545	$1,379.49	+$7.4K → FSRL
7	$33,736	$2,802.09	$24,694	$1,640.41	+$9.0K → FSRL
8	$39,154	$3,055.90	$28,378	$1,955.69	+$10.8K → FSRL
9	$45,209	$3,314.60	$32,702	$2,337.79	+$12.5K → FSRL
10	$51,951	$3,576.85	$37,794	$2,802.29	+$14.2K → FSRL

FSRL vs BTI: Complete Analysis 2026

FSRL — Stock

First Reliance Bancshares, Inc. operates as the bank holding company for First Reliance Bank that provides banking products and services in the United States. The company offers checking, savings, money market, and individual retirement accounts; certificates of deposit; and insurance products. It also provides personal loans, including unsecured, auto, real estate, overdraft protection, and other loans, as well as home equity line of credit; business loans, such as business installment, commercial real estate, and overdraft protection loans, as well as business lines of credit; mortgage loans; and debit and credit card services. In addition, the company offers treasury; indirect dealer; online, mobile, and business banking; and other services. First Reliance Bancshares, Inc. was founded in 1999 and is based in Florence, South Carolina.

Full FSRL 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 →

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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.