HomeCompareHLFN vs MO

HLFN vs MO: Dividend Comparison 2026

HLFN yields 5.10% · MO yields 6.36%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $38.0K in total portfolio value· pulled ahead in Year 7
10 years
HLFN
HLFN
● Live price
5.10%
Share price
$41.18
Annual div
$2.10
5Y div CAGR
15.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$42.1K
Annual income
$4,120.43
Full HLFN 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 — HLFN vs MO

📍 MO pulled ahead of the other in Year 7

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 PeriodHLFNMO
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, HLFN + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HLFN
Annual income on $10K today (after 15% tax)
$433.46/yr
After 10yr DRIP, annual income (after tax)
$3,502.37/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 $22,132.93/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HLFN: 50%MO: 50%
100% MO50/50100% HLFN
Portfolio after 10yr
$61.1K
Annual income
$17,139.79/yr
Blended yield
28.06%
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Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

HLFN
No analyst data
Altman Z
-0.5
Piotroski
5/9
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)

HLFN buys
0
MO buys
0
No recent congressional trades found for HLFN or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHLFNMO
Forward yield5.10%6.36%
Annual dividend / share$2.10$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR15.4%22.6%
Portfolio after 10y$42.1K$80.1K
Annual income after 10y$4,120.43$30,159.17
Total dividends collected$18.2K$74.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHLFN PortfolioHLFN Income/yrMO PortfolioMO Income/yrGap
1$11,288$588.49$10,570$780.30+$718.00HLFN
2$12,795$716.47$11,381$1,032.90+$1.4KHLFN
3$14,567$875.85$12,535$1,392.73+$2.0KHLFN
4$16,662$1,075.39$14,193$1,920.91+$2.5KHLFN
5$19,155$1,326.62$16,618$2,723.68+$2.5KHLFN
6$22,140$1,644.84$20,263$3,993.80+$1.9KHLFN
7← crossover$25,741$2,050.48$25,936$6,098.36$195.00MO
8$30,114$2,571.06$35,166$9,775.01$5.1KMO
9$35,465$3,243.97$51,026$16,597.78$15.6KMO
10$42,068$4,120.43$80,113$30,159.17$38.0KMO

HLFN vs MO: Complete Analysis 2026

HLFNStock

Home Loan Financial Corporation, a unitary thrift holding company, provides various banking products and services in the United States. The company's primary deposit products include checking, savings, and term certificate accounts; and lending products comprise residential mortgage, nonresidential mortgage, residential construction and land, commercial, and consumer loans. It also provides consumer credits, such as home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans, and credit cards. In addition, the company sells life insurance, annuity, long-term care insurance, and investment products. It provides financial services through its main office in Coshocton, Ohio; and branch offices in Coshocton, Mount Vernon, and West Lafayette, Ohio. The company was incorporated in 1997 and is based in Coshocton, Ohio.

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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.