Is HLAN or BTI a better dividend investment in 2026?

HLAN currently yields 1.90% with a 5% 5-year dividend growth rate. BTI yields 5.40% with 5% growth. The better choice depends on your goal: BTI offers higher current income.

What is the dividend yield difference between HLAN and BTI?

HLAN has a forward dividend yield of 1.90% ($3.04/share annually). BTI yields 5.40% ($3.15/share annually). The yield gap is 3.50 percentage points.

Home › Compare › HLAN vs BTI

HLAN vs BTI: Dividend Comparison 2026

HLAN yields 1.90% · BTI yields 5.40%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 HLAN wins by $363.1K in total portfolio value· pulled ahead in Year 4

INVESTMENT

TIME HORIZON10 years

HLAN

● Live price

1.90%

Share price

$160.00

Annual div

$3.04

5Y div CAGR

65.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$400.9K

Annual income

$238,558.72

Full HLAN calculator →

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 — HLAN vs BTI

📍 HLAN 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 Period	HLAN	BTI
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, HLAN + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HLAN pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

HLAN

Annual income on $10K today (after 15% tax)

$161.29/yr

After 10yr DRIP, annual income (after tax)

$202,774.91/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, HLAN beats the other by $200,392.97/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

HLAN: 50%BTI: 50%

100% BTI50/50100% HLAN

Portfolio after 10yr

$219.4K

Annual income

$120,680.50/yr

Blended yield

55.01%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HLAN

Analyst Ratings

Buy

Hold

Consensus: Buy

Price Target

$100.00

-37.5% upside vs current

Range: $100.00 — $100.00

Altman Z

0.3

Piotroski

5/9

BTI

Analyst Ratings

Buy

Hold

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)

HLAN buys

BTI buys

No recent congressional trades found for HLAN or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricHLANBTI

Forward yield	1.90%	5.40% ✓
Annual dividend / share	$3.04	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	65.3% ✓	11.3%
Portfolio after 10y	$400.9K ✓	$37.8K
Annual income after 10y	$238,558.72 ✓	$2,802.29
Total dividends collected	$364.4K ✓	$14.4K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples
Analyst consensus	Buy	Buy
Analyst price target	$100.00 ✓	$40.00

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

Year	HLAN Portfolio	HLAN Income/yr	BTI Portfolio	BTI Income/yr	Gap
1	$11,014	$313.66	$11,301	$601.08	$287.00 → BTI
2	$12,318	$533.67	$12,799	$706.58	$481.00 → BTI
3	$14,103	$922.11	$14,527	$832.38	$424.00 → BTI
4← crossover	$16,721	$1,630.89	$16,527	$982.75	+$194.00 → HLAN
5	$20,878	$2,987.22	$18,846	$1,162.95	+$2.0K → HLAN
6	$28,102	$5,762.32	$21,545	$1,379.49	+$6.6K → HLAN
7	$42,051	$11,982.02	$24,694	$1,640.41	+$17.4K → HLAN
8	$72,694	$27,698.65	$28,378	$1,955.69	+$44.3K → HLAN
9	$151,754	$73,971.38	$32,702	$2,337.79	+$119.1K → HLAN
10	$400,935	$238,558.72	$37,794	$2,802.29	+$363.1K → HLAN

HLAN vs BTI: Complete Analysis 2026

HLAN — Stock

Heartland BancCorp operates as the bank holding company for Heartland Bank that provides various banking and financial services to individual and corporate customers. The company offers personal and business checking and savings accounts. It also provides various lending solutions comprising home mortgage loans; personal loans, such as home equity and personal unsecured loans, as well as automobile, boat, motorcycle, power sport vehicle, recreational vehicle, and trailer loans; commercial and residential real estate loans, construction loans, small business administration loans, and working capital lines of credit and equipment financing; participation loans; financial solutions for various markets; and agribusiness lending solutions. In addition, the company offers credit and debit cards, wire transfers, night depository, safe deposit boxes, cashier's checks, notary services, overdraft protection, treasury management, retirement and education planning, wealth management, mobile wallet, and online banking services, as well as insurance products and services. It operates through a network of 18 full-service banking offices in central Ohio and northern Kentucky. The company was founded in 1911 and is based in Whitehall, Ohio.

Full HLAN Calculator →

BTI — Consumer 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.

Full BTI 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.