HomeCompareHIFS vs MO

HIFS vs MO: Dividend Comparison 2026

HIFS yields 1.13% · MO yields 6.36%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $57.8K in total portfolio value· pulled ahead in Year 4
10 years
HIFS
HIFS
● Live price
1.13%
Share price
$285.84
Annual div
$3.22
5Y div CAGR
9.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.3K
Annual income
$300.79
Full HIFS calculator →
MO
Altria Group Inc.
● Live price
6.36%
Share price
$65.99
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$80.1K
Annual income
$30,159.17
Full MO calculator →

Portfolio growth — HIFS vs MO

📍 MO pulled ahead of the other in Year 4

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 PeriodHIFSMO
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, HIFS + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HIFS
Annual income on $10K today (after 15% tax)
$95.75/yr
After 10yr DRIP, annual income (after tax)
$255.67/yr
MO
Annual income on $10K today (after 15% tax)
$540.99/yr
After 10yr DRIP, annual income (after tax)
$25,635.29/yr
At 15% tax rate, MO beats the other by $25,379.62/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HIFS: 50%MO: 50%
100% MO50/50100% HIFS
Portfolio after 10yr
$51.2K
Annual income
$15,229.98/yr
Blended yield
29.75%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

HIFS
No analyst data
Altman Z
0.2
Piotroski
6/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-7.2% 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)

HIFS buys
0
MO buys
0
No recent congressional trades found for HIFS or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHIFSMO
Forward yield1.13%6.36%
Annual dividend / share$3.22$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR9.1%22.6%
Portfolio after 10y$22.3K$80.1K
Annual income after 10y$300.79$30,159.17
Total dividends collected$2.0K$74.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHIFS PortfolioHIFS Income/yrMO PortfolioMO Income/yrGap
1$10,823$122.90$10,570$780.30+$253.00HIFS
2$11,716$135.63$11,381$1,032.90+$335.00HIFS
3$12,686$149.70$12,535$1,392.73+$151.00HIFS
4← crossover$13,739$165.27$14,193$1,920.91$454.00MO
5$14,884$182.51$16,618$2,723.68$1.7KMO
6$16,127$201.59$20,263$3,993.80$4.1KMO
7$17,479$222.72$25,936$6,098.36$8.5KMO
8$18,948$246.12$35,166$9,775.01$16.2KMO
9$20,547$272.05$51,026$16,597.78$30.5KMO
10$22,286$300.79$80,113$30,159.17$57.8KMO

HIFS vs MO: Complete Analysis 2026

HIFSStock

Hingham Institution for Savings provides various financial products and services to individuals and businesses in the United States. It offers savings, checking, money market, demand deposit, and negotiable order of withdrawal accounts, as well as certificates of deposit. The company also provides commercial and residential real estate, construction, home equity, commercial, and consumer loans. In addition, it offers ATMs, debit cards, and Internet-based banking services. The company offers its services through a network of six offices in Boston and eastern Massachusetts; and commercial lenders and relationship managers in Washington. Hingham Institution for Savings was incorporated in 1834 and is headquartered in Hingham, Massachusetts.

Full HIFS 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.

Full MO 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.