HomeCompareHMST vs BTI

HMST vs BTI: Dividend Comparison 2026

HMST yields 14.42% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HMST wins by $5428538.23M in total portfolio value
10 years
HMST
HMST
● Live price
14.42%
Share price
$13.87
Annual div
$2.00
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$5428538.27M
Annual income
$5,357,167,641,737.20
Full HMST 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 — HMST vs BTI

📍 HMST pulled ahead of the other in Year 1

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 PeriodHMSTBTI
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, HMST + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HMST
Annual income on $10K today (after 15% tax)
$1,225.67/yr
After 10yr DRIP, annual income (after tax)
$4,553,592,495,476.62/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, HMST beats the other by $4,553,592,493,107.98/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HMST: 50%BTI: 50%
100% BTI50/50100% HMST
Portfolio after 10yr
$2714269.15M
Annual income
$2,678,583,822,261.92/yr
Blended yield
98.69%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HMST
Analyst Ratings
3
Buy
7
Hold
Consensus: Hold
Price Target
$13.50
-2.7% upside vs current
Range: $13.50 — $13.50
Altman Z
1.1
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)

HMST buys
0
BTI buys
0
No recent congressional trades found for HMST or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHMSTBTI
Forward yield14.42%5.38%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$5428538.27M$37.7K
Annual income after 10y$5,357,167,641,737.20$2,786.64
Total dividends collected$5423758.34M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$13.50$40.00

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

YearHMST PortfolioHMST Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$13,584$2,883.92$11,299$598.92+$2.3KHMST
2$21,857$7,322.42$12,794$703.91+$9.1KHMST
3$45,410$22,022.72$14,518$829.07+$30.9KHMST
4$134,110$85,521.08$16,513$978.64+$117.6KHMST
5$615,592$472,094.19$18,827$1,157.84+$596.8KHMST
6$4,709,171$4,050,487.51$21,518$1,373.12+$4.69MHMST
7$62,955,705$57,916,892.81$24,657$1,632.46+$62.93MHMST
8$1,514,607,910$1,447,245,305.76$28,329$1,945.74+$1514.58MHMST
9$66,701,522,169$65,080,891,704.62$32,637$2,325.33+$66701.49MHMST
10$5,428,538,270,458$5,357,167,641,737.20$37,708$2,786.64+$5428538.23MHMST

HMST vs BTI: Complete Analysis 2026

HMSTStock

HomeStreet, Inc. operates as the bank holding company for HomeStreet Bank that provides commercial, mortgage, and consumer/retail banking services primarily in the Western United States. The company offers personal and business checking, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit; credit cards; insurance; and treasury management products and services. Its loan products include commercial business and agriculture loans, single family residential mortgages, consumer loans, commercial loans secured by residential and commercial real estate, and construction loans for residential and commercial real estate development, as well as consumer installment loans and permanent loans on commercial real estate and single-family residences. In addition, the company offers its products and services through bank branches, loan production offices, and ATMs, as well as through online, mobile, and telephone banking. As of December 31, 2021, it operated 60 full-service bank branches located in Washington state, Northern and Southern California, the Portland, Oregon, and Hawaii; and five primary stand-alone commercial lending centers in Central Washington, Oregon, Southern California, Idaho, and Utah. HomeStreet, Inc. serves small and medium sized businesses, real estate investors, professional firms, and individuals. The company was formerly known as Continental Mortgage and Loan Company. HomeStreet, Inc. was incorporated in 1921 and is headquartered in Seattle, Washington.

Full HMST Calculator →

BTIConsumer 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.