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HMCBF vs BTI: Dividend Comparison 2026

HMCBF yields 1.38% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HMCBF wins by $14.42M in total portfolio value· pulled ahead in Year 4
10 years
HMCBF
HMCBF
● Live price
1.38%
Share price
$32.52
Annual div
$0.45
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$14.46M
Annual income
$12,699,403.13
Full HMCBF calculator →
BTI
BTI
● Live price
5.38%
Share price
$58.47
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.7K
Annual income
$2,786.64
Full BTI calculator →

Portfolio growth — HMCBF vs BTI

📍 HMCBF 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 PeriodHMCBFBTI
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, HMCBF + BTI cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
HMCBF pays
BTI pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

HMCBF
Annual income on $10K today (after 15% tax)
$117.62/yr
After 10yr DRIP, annual income (after tax)
$10,794,492.66/yr
BTI
Annual income on $10K today (after 15% tax)
$457.40/yr
After 10yr DRIP, annual income (after tax)
$2,368.64/yr
At 15% tax rate, HMCBF beats the other by $10,792,124.02/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HMCBF: 50%BTI: 50%
100% BTI50/50100% HMCBF
Portfolio after 10yr
$7.25M
Annual income
$6,351,094.89/yr
Blended yield
87.60%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HMCBF
No analyst data
Altman Z
0.3
Piotroski
7/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.6% 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)

HMCBF buys
0
BTI buys
0
No recent congressional trades found for HMCBF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHMCBFBTI
Forward yield1.38%5.38% ✓
Annual dividend / share$0.45$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓11.3%
Portfolio after 10y$14.46M$37.7K ✓
Annual income after 10y$12,699,403.13 ✓$2,786.64
Total dividends collected$14.30M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHMCBF PortfolioHMCBF Income/yrBTI PortfolioBTI Income/yrGap
1$10,977$276.75$11,299$598.92$322.00 → BTI
2$12,313$567.82$12,794$703.91$481.00 → BTI
3$14,365$1,190.55$14,518$829.07$153.00 → BTI
4← crossover$17,967$2,596.26$16,513$978.64+$1.5K → HMCBF
5$25,295$6,069.57$18,827$1,157.84+$6.5K → HMCBF
6$43,037$15,971.64$21,518$1,373.12+$21.5K → HMCBF
7$96,843$50,793.60$24,657$1,632.46+$72.2K → HMCBF
8$317,262$213,640.47$28,329$1,945.74+$288.9K → HMCBF
9$1,647,690$1,308,218.71$32,637$2,325.33+$1.62M → HMCBF
10$14,462,431$12,699,403.13$37,708$2,786.64+$14.42M → HMCBF

HMCBF vs BTI: Complete Analysis 2026

HMCBF — Stock

Home Capital Group Inc., through its subsidiary, Home Trust Company, provides residential and nonresidential mortgage lending, securitization of residential mortgage products, consumer lending, and credit card services in Canada. It offers deposits through brokers and financial planners under the Oaken Financial brand. The company also provides credit card and line of credit services, including Equityline Visa product, a home equity line of credit that is secured by residential property; and cash-secured and unsecured credit card products. In addition, it offers consumer retail lending services for durable household goods, such as water heaters and larger-ticket home improvement items; and consumer loans. Further, the company manages a treasury portfolio. Additionally, the company offers various lending and savings solutions. The company operates through offices in Ontario, Alberta, British Columbia, Nova Scotia, and Quebec. Home Capital Group Inc. was founded in 1986 and is based in Toronto, Canada.

Full HMCBF 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.