HomeCompareHRBK vs MO

HRBK vs MO: Dividend Comparison 2026

HRBK yields 5.39% · MO yields 6.36%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $51.6K in total portfolio value· pulled ahead in Year 6
10 years
HRBK
HRBK
● Live price
5.39%
Share price
$18.55
Annual div
$1.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$28.5K
Annual income
$760.69
Full HRBK 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 — HRBK vs MO

📍 MO pulled ahead of the other in Year 6

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 PeriodHRBKMO
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, HRBK + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HRBK
Annual income on $10K today (after 15% tax)
$458.22/yr
After 10yr DRIP, annual income (after tax)
$646.59/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 $24,988.71/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HRBK: 50%MO: 50%
100% MO50/50100% HRBK
Portfolio after 10yr
$54.3K
Annual income
$15,459.92/yr
Blended yield
28.46%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

HRBK
No analyst data
Altman Z
-0.8
Piotroski
7/9
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)

HRBK buys
0
MO buys
0
No recent congressional trades found for HRBK or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHRBKMO
Forward yield5.39%6.36%
Annual dividend / share$1.00$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%22.6%
Portfolio after 10y$28.5K$80.1K
Annual income after 10y$760.69$30,159.17
Total dividends collected$6.5K$74.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHRBK PortfolioHRBK Income/yrMO PortfolioMO Income/yrGap
1$11,239$539.08$10,570$780.30+$669.00HRBK
2$12,592$566.24$11,381$1,032.90+$1.2KHRBK
3$14,066$592.91$12,535$1,392.73+$1.5KHRBK
4$15,670$619.00$14,193$1,920.91+$1.5KHRBK
5$17,411$644.45$16,618$2,723.68+$793.00HRBK
6← crossover$19,299$669.22$20,263$3,993.80$964.00MO
7$21,344$693.26$25,936$6,098.36$4.6KMO
8$23,554$716.54$35,166$9,775.01$11.6KMO
9$25,942$739.02$51,026$16,597.78$25.1KMO
10$28,519$760.69$80,113$30,159.17$51.6KMO

HRBK vs MO: Complete Analysis 2026

HRBKStock

Harbor Bankshares Corporation provides various banking services in Maryland. The company offers personal checking, savings and investment, cards, individual retirement plans, certificate of deposits, mortgages, loans and lines of credit, online banking, bill pay, mobile banking, E-statement, telebanc, and interest rate services. It also provides business loans, remote deposit, positive pay, cash management, and merchant services. In addition, the company offers personal, home equity, installment, and VIP loans; home equity and overdraft lines of credit. Further, the company provides brokerage and insurance products. The company operates through six branch locations primarily serves the Baltimore, Maryland Metropolitan area. Harbor Bankshares Corporation was founded in 1982 and is based in Baltimore, Maryland.

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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.

Full MO 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.