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HCDI vs MO: Dividend Comparison 2026

HCDI yields 1005.03% · MO yields 6.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HCDI wins by $2.018057914051105e+23M in total portfolio value
10 years
HCDI
HCDI
● Live price
1005.03%
Share price
$0.20
Annual div
$2.00
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$2.018057914051105e+23M
Annual income
$201,767,224,790,193,330,000,000,000,000.00
Full HCDI calculator →
MO
Altria Group Inc.
● Live price
6.27%
Share price
$67.02
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$28,968.54
Full MO calculator →

Portfolio growth — HCDI vs MO

📍 HCDI 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 PeriodHCDIMO
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, HCDI + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HCDI
Annual income on $10K today (after 15% tax)
$85,427.14/yr
After 10yr DRIP, annual income (after tax)
$171,502,141,071,664,300,000,000,000,000.00/yr
MO
Annual income on $10K today (after 15% tax)
$532.68/yr
After 10yr DRIP, annual income (after tax)
$24,623.26/yr
At 15% tax rate, HCDI beats the other by $171,502,141,071,664,300,000,000,000,000.00/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HCDI + MO for your $10,000?

HCDI: 50%MO: 50%
100% MO50/50100% HCDI
Portfolio after 10yr
$1.0090289570255525e+23M
Annual income
$100,883,612,395,096,670,000,000,000,000.00/yr
Blended yield
99.98%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

HCDI
No analyst data
Altman Z
0.1
Piotroski
1/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-8.6% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
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)

HCDI buys
0
MO buys
11
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$MO▲ Buy$1,000 - $15,0002025-08-04
Sheri Biggs🏢 House$MO▼ Sell$1,001 - $15,0002025-03-19
Pete Sessions🏢 House$MO▼ Sell$1,001 - $15,0002024-09-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-03-20
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-02-13
Virginia Foxx🏢 House$MO▼ Sell$1,001 - $15,0002024-01-16
Virginia Foxx🏢 House$MO▲ Buy$1,001 - $15,0002024-01-11
Ro Khanna🏢 House$MO▼ Sell$1,001 - $15,0002024-01-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-01-10
Virginia Foxx🏢 House$MO▼ Sell$15,001 - $50,0002024-01-10
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHCDIMO
Forward yield1005.03%6.27%
Annual dividend / share$2.00$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%22.6%
Portfolio after 10y$2.018057914051105e+23M$77.7K
Annual income after 10y$201,767,224,790,193,330,000,000,000,000.00$28,968.54
Total dividends collected$2.0180326751285186e+23M$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: HCDI vs MO ($10,000, DRIP)

YearHCDI PortfolioHCDI Income/yrMO PortfolioMO Income/yrGap
1← crossover$211,705$201,005.03$10,558$768.31+$201.1KHCDI
2$8,180,501$7,953,976.43$11,352$1,015.87+$8.17MHCDI
3$583,238,862$574,485,726.27$12,482$1,367.86+$583.23MHCDI
4$77,182,320,035$76,558,254,452.40$14,103$1,883.39+$77182.31MHCDI
5$19,019,516,912,574$18,936,931,830,136.57$16,472$2,664.91+$19019516.90MHCDI
6$8,742,780,759,918,048$8,722,429,876,821,594.00$20,024$3,897.79+$8742780759.90MHCDI
7$7,503,701,998,123,799,000$7,494,347,222,710,686,000.00$25,537$5,933.74+$7503701998123.77MHCDI
8$12,030,839,931,215,220,000,000$12,022,810,970,077,226,000,000.00$34,478$9,476.77+$12030839931215220.00MHCDI
9$36,043,565,343,171,823,000,000,000$36,030,692,344,445,424,000,000,000.00$49,776$16,022.63+$36043565343171821568.00MHCDI
10$201,805,791,405,110,500,000,000,000,000$201,767,224,790,193,330,000,000,000,000.00$77,699$28,968.54+$2.018057914051105e+23MHCDI

HCDI vs MO: Complete Analysis 2026

HCDIStock

Harbor Custom Development, Inc. operates as a real estate development company in Washington, California, Texas, and Florida. The company is involved in land acquisition, entitlements, development, construction of project infrastructure, single and multi-family vertical construction, marketing, sales, and management of various residential projects. It undertakes projects, such as residential lots, home communities, townhomes, and multi-story condominium or apartment properties The company was formerly known as Harbor Custom Homes, Inc. and changed its name to Harbor Custom Development, Inc. in August 2019. Harbor Custom Development, Inc. was incorporated in 2014 and is based in Gig Harbor, Washington.

Full HCDI Calculator →

MOConsumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

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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.