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HBSI vs BTI: Dividend Comparison 2026

HBSI yields 4.00% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $13.7K in total portfolio value
10 years
HBSI
HBSI
● Live price
4.00%
Share price
$45.50
Annual div
$1.82
5Y div CAGR
-6.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.0K
Annual income
$241.95
Full HBSI 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 — HBSI vs BTI

📍 BTI 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 PeriodHBSIBTI
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, HBSI + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HBSI
Annual income on $10K today (after 15% tax)
$340.00/yr
After 10yr DRIP, annual income (after tax)
$205.66/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 $2,162.99/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HBSI: 50%BTI: 50%
100% BTI50/50100% HBSI
Portfolio after 10yr
$30.9K
Annual income
$1,514.29/yr
Blended yield
4.90%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HBSI
No analyst data
Altman Z
0.3
Piotroski
6/9
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)

HBSI buys
0
BTI buys
0
No recent congressional trades found for HBSI or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHBSIBTI
Forward yield4.00%5.38%
Annual dividend / share$1.82$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-6.7%11.3%
Portfolio after 10y$24.0K$37.7K
Annual income after 10y$241.95$2,786.64
Total dividends collected$3.1K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHBSI PortfolioHBSI Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,073$373.20$11,299$598.92$226.00BTI
2$12,209$360.34$12,794$703.91$585.00BTI
3$13,410$346.42$14,518$829.07$1.1KBTI
4$14,680$331.78$16,513$978.64$1.8KBTI
5$16,024$316.71$18,827$1,157.84$2.8KBTI
6$17,448$301.45$21,518$1,373.12$4.1KBTI
7$18,955$286.20$24,657$1,632.46$5.7KBTI
8$20,553$271.12$28,329$1,945.74$7.8KBTI
9$22,248$256.33$32,637$2,325.33$10.4KBTI
10$24,048$241.95$37,708$2,786.64$13.7KBTI

HBSI vs BTI: Complete Analysis 2026

HBSIStock

Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provide various banking products and services for individuals and businesses. The company accepts checking, saving, money market, NOW, individual retirement, and club accounts; and insured cash sweep and CDARS interest-bearing deposits, as well as certificates of deposit. It also offers personal and business loans, such as home mortgage and equity, land and lot, mobile home, auto, personal and business term, agriculture, equipment, and commercial real estate loans, as well as business lines of credit. In addition, the company provides debit and credit cards, kasasa protect, automatic teller machines, business online banking and bill-pay, mobile banking, CardValet, POP money, telephone banking, direct deposits, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, safe deposit box, and wire transfer services. Further, it offers merchant card processing services; and sells life and accident coverage insurance products. The company operates through ten locations in West Virginia and two locations in Virginia. Highlands Bankshares, Inc. was incorporated in 1984 and is based in Petersburg, West Virginia.

Full HBSI 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.

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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.