HomeCompareHMCBF vs PM

HMCBF vs PM: Dividend Comparison 2026

HMCBF yields 1.38% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HMCBF wins by $14.41M in total portfolio value· pulled ahead in Year 5
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 →
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 — HMCBF vs PM

📍 HMCBF pulled ahead of the other in Year 5

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 PeriodHMCBFPM
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 + PM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
HMCBF pays
PM 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
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, HMCBF beats the other by $10,792,374.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HMCBF: 50%PM: 50%
100% PM50/50100% HMCBF
Portfolio after 10yr
$7.26M
Annual income
$6,350,947.58/yr
Blended yield
87.53%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

HMCBF
No analyst data
Altman Z
0.3
Piotroski
7/9
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)

HMCBF buys
0
PM buys
0
No recent congressional trades found for HMCBF or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHMCBFPM
Forward yield1.38%3.48%
Annual dividend / share$0.45$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%17.2%
Portfolio after 10y$14.46M$49.6K
Annual income after 10y$12,699,403.13$2,492.02
Total dividends collected$14.30M$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHMCBF PortfolioHMCBF Income/yrPM PortfolioPM Income/yrGap
1$10,977$276.75$11,648$408.29$671.00PM
2$12,313$567.82$13,589$495.90$1.3KPM
3$14,365$1,190.55$15,877$603.21$1.5KPM
4$17,967$2,596.26$18,580$734.88$613.00PM
5← crossover$25,295$6,069.57$21,781$896.75+$3.5KHMCBF
6$43,037$15,971.64$25,578$1,096.12+$17.5KHMCBF
7$96,843$50,793.60$30,092$1,342.17+$66.8KHMCBF
8$317,262$213,640.47$35,470$1,646.46+$281.8KHMCBF
9$1,647,690$1,308,218.71$41,892$2,023.58+$1.61MHMCBF
10$14,462,431$12,699,403.13$49,578$2,492.02+$14.41MHMCBF

HMCBF vs PM: Complete Analysis 2026

HMCBFStock

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 →

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.