HomeCompareHBMD vs BTI

HBMD vs BTI: Dividend Comparison 2026

HBMD yields 8.58% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $2.5K in total portfolio value· pulled ahead in Year 8
10 years
HBMD
HBMD
● Live price
8.58%
Share price
$23.30
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$35.3K
Annual income
$1,476.05
Full HBMD 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 — HBMD vs BTI

📍 BTI pulled ahead of the other in Year 8

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 PeriodHBMDBTI
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, HBMD + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HBMD
Annual income on $10K today (after 15% tax)
$729.61/yr
After 10yr DRIP, annual income (after tax)
$1,254.64/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, BTI beats the other by $1,127.30/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HBMD: 50%BTI: 50%
100% BTI50/50100% HBMD
Portfolio after 10yr
$36.5K
Annual income
$2,139.17/yr
Blended yield
5.85%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HBMD
Analyst Ratings
5
Buy
3
Hold
Consensus: Buy
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)

HBMD buys
0
BTI buys
0
No recent congressional trades found for HBMD or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHBMDBTI
Forward yield8.58%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$35.3K$37.8K
Annual income after 10y$1,476.05$2,802.29
Total dividends collected$11.7K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearHBMD PortfolioHBMD Income/yrBTI PortfolioBTI Income/yrGap
1$11,558$858.37$11,301$601.08+$257.00HBMD
2$13,295$927.23$12,799$706.58+$496.00HBMD
3$15,222$996.75$14,527$832.38+$695.00HBMD
4$17,354$1,066.59$16,527$982.75+$827.00HBMD
5$19,705$1,136.43$18,846$1,162.95+$859.00HBMD
6$22,291$1,205.98$21,545$1,379.49+$746.00HBMD
7$25,126$1,274.96$24,694$1,640.41+$432.00HBMD
8← crossover$28,228$1,343.11$28,378$1,955.69$150.00BTI
9$31,614$1,410.21$32,702$2,337.79$1.1KBTI
10$35,303$1,476.05$37,794$2,802.29$2.5KBTI

HBMD vs BTI: Complete Analysis 2026

HBMDStock

Howard Bancorp, Inc. operates as the bank holding company for Howard Bank that provides commercial banking, mortgage banking, and consumer finance products and services to businesses, business owners, professionals, and other consumers. The company offers various consumer and business deposit products, including demand, money market, savings, individual retirement, and commercial and retail checking accounts, as well as certificates of deposit. It also provides commercial loans, such as lines of credit, revolving credit facilities, accounts receivable and inventory financing, term loans, equipment loans, small business administration loans, stand-by letters of credit, and unsecured loans, as well as equipment lease services; commercial mortgage loans for owner occupied and investment properties; construction loans; residential mortgage loans; and secured and unsecured consumer loans. In addition, the company offers wire transfer services; automated teller machines and check cards; and safe deposit boxes, as well as credit cards through a third party processor. Further, it provides merchant card, overnight sweep, check positive pay, and remote deposit capture services; and online and mobile banking services. As of December 31, 2020, the company operated through a network of 15 full service branches, as well as eight commercial lending offices located in Maryland. Howard Bancorp, Inc. was founded in 2004 and is headquartered in Baltimore, Maryland.

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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.

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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.