HomeCompareHTLF vs PM

HTLF vs PM: Dividend Comparison 2026

HTLF yields 1.86% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 HTLF wins by $46.58M in total portfolio value· pulled ahead in Year 4
10 years
HTLF
HTLF
● Live price
1.86%
Share price
$64.67
Annual div
$1.20
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$46.63M
Annual income
$42,251,647.15
Full HTLF calculator →
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM calculator →

Portfolio growth — HTLF vs PM

📍 HTLF pulled ahead of the other in Year 4

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodHTLFPM
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, HTLF + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

HTLF
Annual income on $10K today (after 15% tax)
$157.72/yr
After 10yr DRIP, annual income (after tax)
$35,913,900.08/yr
PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/yr
At 15% tax rate, HTLF beats the other by $35,911,772.86/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

HTLF: 50%PM: 50%
100% PM50/50100% HTLF
Portfolio after 10yr
$23.34M
Annual income
$21,127,074.88/yr
Blended yield
90.53%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

HTLF
Analyst Ratings
2
Strong
6
Buy
5
Hold
Consensus: Buy
Price Target
$60.00
-7.2% upside vs current
Range: $60.00 — $60.00
Altman Z
-0.0
Piotroski
6/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% 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)

HTLF buys
0
PM buys
5
PoliticianChamberTickerTypeAmountDate
Julia Letlow🏢 House$PM▼ Sell$1,001 - $15,0002026-02-05
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-12-18
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-11-13
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▼ Sell$1,001 - $15,0002025-10-30
Ro Khanna🏢 House$PM▲ Buy$1,001 - $15,0002025-09-29
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-09-05
Ro Khanna🏢 House$PM▲ Buy$15,001 - $50,0002025-08-26
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-08-14
Julie Johnson🏢 House$PM▼ Sell$1,001 - $15,0002025-07-22
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricHTLFPM
Forward yield1.86%3.49%
Annual dividend / share$1.20$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%17.2%
Portfolio after 10y$46.63M$49.6K
Annual income after 10y$42,251,647.15$2,502.61
Total dividends collected$46.26M$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy
Analyst price target$60.00$194.30

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

YearHTLF PortfolioHTLF Income/yrPM PortfolioPM Income/yrGap
1$11,071$371.11$11,650$409.56$579.00PM
2$12,614$767.97$13,592$497.49$978.00PM
3$15,133$1,635.52$15,882$605.21$749.00PM
4← crossover$19,859$3,667.41$18,589$737.41+$1.3KHTLF
5$30,246$8,996.14$21,794$899.94+$8.5KHTLF
6$57,972$25,609.50$25,597$1,100.16+$32.4KHTLF
7$153,780$91,749.94$30,118$1,347.30+$123.7KHTLF
8$619,462$454,917.27$35,505$1,652.97+$584.0KHTLF
9$4,088,079$3,425,254.74$41,940$2,031.88+$4.05MHTLF
10$46,625,892$42,251,647.15$49,643$2,502.61+$46.58MHTLF

HTLF vs PM: Complete Analysis 2026

HTLFStock

Heartland Financial USA, Inc., a multi-bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. It accepts various deposit products, including checking and other demand deposit accounts; NOW, savings, money market, individual retirement, and health savings accounts; certificates of deposit; and other time deposits. The company also offers commercial and industrial loans; commercial real estate loans; real estate mortgage loans; small business loans; agricultural loans; consumer loans comprising motor vehicle and home improvement loans, home equity line of credit, and fixed rate home equity and personal lines of credit; and credit cards for commercial, business, and personal use. In addition, it provides online banking, mobile banking, telephone banking, bill payment, automated clearing house, wire transfer, zero balance account, transaction reporting, lock box, remote deposit capture, accounts receivable, investment sweep account, reconciliation, treasury management, wealth management, trust, foreign exchange, and various fraud prevention services, such as check and electronic positive pay, as well as commercial purchasing and merchant credit cards, debit cards, and automated teller machines. Further, the company offers investment services, such as mutual funds, annuities, retirement products, education savings products, and brokerage services, as well as vehicle, property and casualty, and life and disability insurance products. Additionally, it is involved in the community development, consumer finance, multi-line insurance agency, and property management businesses. The company operates through 129 banking locations in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas, and California. Heartland Financial USA, Inc. was founded in 1981 and is headquartered in Dubuque, Iowa.

Full HTLF 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 →
📬

Get this HTLF vs PM comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

HTLF vs SCHDHTLF vs JEPIHTLF vs OHTLF vs KOHTLF vs MAINHTLF vs MOHTLF vs BTIHTLF vs PEP

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.