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HRGG vs BTI: Dividend Comparison 2026

HRGG yields 11.19% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 HRGG wins by $4.2K in total portfolio value
10 years
HRGG
HRGG
● Live price
11.19%
Share price
$17.87
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$41.9K
Annual income
$2,254.64
Full HRGG 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 — HRGG vs BTI

📍 HRGG 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 PeriodHRGGBTI
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, HRGG + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HRGG
Annual income on $10K today (after 15% tax)
$951.32/yr
After 10yr DRIP, annual income (after tax)
$1,916.44/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, BTI beats the other by $452.20/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HRGG: 50%BTI: 50%
100% BTI50/50100% HRGG
Portfolio after 10yr
$39.8K
Annual income
$2,520.64/yr
Blended yield
6.33%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HRGG
No analyst data
Altman Z
0.3
Piotroski
5/9
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)

HRGG buys
0
BTI buys
0
No recent congressional trades found for HRGG or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHRGGBTI
Forward yield11.19%5.38%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$41.9K$37.7K
Annual income after 10y$2,254.64$2,786.64
Total dividends collected$16.8K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearHRGG PortfolioHRGG Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,819$1,119.19$11,299$598.92+$520.00HRGG
2$13,883$1,236.26$12,794$703.91+$1.1KHRGG
3$16,212$1,357.11$14,518$829.07+$1.7KHRGG
4$18,828$1,481.09$16,513$978.64+$2.3KHRGG
5$21,753$1,607.55$18,827$1,157.84+$2.9KHRGG
6$25,012$1,735.83$21,518$1,373.12+$3.5KHRGG
7$28,628$1,865.28$24,657$1,632.46+$4.0KHRGG
8$32,627$1,995.29$28,329$1,945.74+$4.3KHRGG
9$37,036$2,125.26$32,637$2,325.33+$4.4KHRGG
10$41,883$2,254.64$37,708$2,786.64+$4.2KHRGG

HRGG vs BTI: Complete Analysis 2026

HRGGStock

Heritage NOLA Bancorp, Inc. operates as a holding company for Heritage Bank of St. Tammany that provides various financial services. The company's deposit accounts include non-interest-bearing and interest-bearing demand deposit accounts, savings accounts, and certificates of deposit. Its loan portfolio comprises one- to four-family residential real estate loans; commercial real estate loans; construction and land loans; home equity lines and consumer loans; and other business loans. The company provides its services through four branches in Slidell, Covington, and Madisonville, Louisiana. Heritage NOLA Bancorp, Inc. was founded in 1924 and is based in Covington, Louisiana.

Full HRGG 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.

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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.