HomeCompareHFBK vs PM

HFBK vs PM: Dividend Comparison 2026

HFBK yields 2.37% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HFBK wins by $10.70M in total portfolio value· pulled ahead in Year 4
10 years
HFBK
HFBK
● Live price
2.37%
Share price
$40.95
Annual div
$0.97
5Y div CAGR
84.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$10.75M
Annual income
$9,102,027.37
Full HFBK calculator →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — HFBK vs PM

📍 HFBK pulled ahead of the other in Year 4

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 PeriodHFBKPM
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, HFBK + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HFBK
Annual income on $10K today (after 15% tax)
$201.34/yr
After 10yr DRIP, annual income (after tax)
$7,736,723.26/yr
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, HFBK beats the other by $7,734,605.05/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of HFBK + PM for your $10,000?

HFBK: 50%PM: 50%
100% PM50/50100% HFBK
Portfolio after 10yr
$5.40M
Annual income
$4,552,259.69/yr
Blended yield
84.33%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

HFBK
No analyst data
Altman Z
0.3
Piotroski
6/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
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)

HFBK buys
0
PM buys
0
No recent congressional trades found for HFBK or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHFBKPM
Forward yield2.37%3.48%
Annual dividend / share$0.97$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR84.6%17.2%
Portfolio after 10y$10.75M$49.6K
Annual income after 10y$9,102,027.37$2,492.02
Total dividends collected$10.59M$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: HFBK vs PM ($10,000, DRIP)

YearHFBK PortfolioHFBK Income/yrPM PortfolioPM Income/yrGap
1$11,137$437.27$11,648$408.29$511.00PM
2$12,757$840.19$13,589$495.90$832.00PM
3$15,310$1,660.34$15,877$603.21$567.00PM
4← crossover$19,820$3,437.79$18,580$734.88+$1.2KHFBK
5$28,885$7,677.91$21,781$896.75+$7.1KHFBK
6$50,212$19,304.78$25,578$1,096.12+$24.6KHFBK
7$111,622$57,895.43$30,092$1,342.17+$81.5KHFBK
8$341,478$222,042.28$35,470$1,646.46+$306.0KHFBK
9$1,537,295$1,171,913.90$41,892$2,023.58+$1.50MHFBK
10$10,746,933$9,102,027.37$49,578$2,492.02+$10.70MHFBK

HFBK vs PM: Complete Analysis 2026

HFBKStock

Harford Bank offers commercial and retail banking products and services for individuals, businesses, and governmental units. It provides various deposit services, including checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also offers various commercial loans, which include secured and unsecured loans for working capital, business expansion loans, and equipment and machinery purchase loans, as well as commercial mortgages secured by real estate, real estate construction loans, and real estate acquisition loans. In addition, it provides consumer loans, such as secured and unsecured loans for financing automobiles, boats, mobile homes, education, bill consolidation, and home improvements. Further, the company offers various other banking services, including mobile banking, automated teller machine, online banking with bill payment, cash management, commercial account remote deposit capture, safe deposit boxes, direct deposit of payroll and social security checks, and ACH origination services, as well as debit, gift, and credit cards. It operates through eight banking offices in Harford County, Maryland; and two banking offices in Cecil County, Maryland. The company was formerly known as Harford National Bank and changed its name to Harford Bank in July 2001. Harford Bank was founded in 1964 and is based in Aberdeen, Maryland.

Full HFBK Calculator →

PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

Full PM 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.