Is HVBC or BTI a better dividend investment in 2026?

HVBC currently yields 1.45% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: BTI offers higher current income.

What is the dividend yield difference between HVBC and BTI?

HVBC has a forward dividend yield of 1.45% ($0.50/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 3.93 percentage points.

Home › Compare › HVBC vs BTI

HVBC vs BTI: Dividend Comparison 2026

HVBC yields 1.45% · BTI yields 5.38%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 BTI wins by $17.8K in total portfolio value

INVESTMENT

TIME HORIZON10 years

HVBC

● Live price

1.45%

Share price

$34.60

Annual div

$0.50

5Y div CAGR

-50%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$19.9K

Annual income

$0.14

Full HVBC calculator →

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 — HVBC vs BTI

📍 BTI 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 Period	HVBC	BTI
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, HVBC + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

HVBC pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

HVBC

Annual income on $10K today (after 15% tax)

$122.83/yr

After 10yr DRIP, annual income (after tax)

$0.12/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 $2,368.52/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

HVBC: 50%BTI: 50%

100% BTI50/50100% HVBC

Portfolio after 10yr

$28.8K

Annual income

$1,393.39/yr

Blended yield

4.84%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

HVBC

No analyst data

Altman Z

1.2

Piotroski

4/9

BTI

Analyst Ratings

Buy

Hold

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

HVBC buys

BTI buys

No recent congressional trades found for HVBC or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricHVBCBTI

Forward yield	1.45%	5.38% ✓
Annual dividend / share	$0.50	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-50%	11.3% ✓
Portfolio after 10y	$19.9K	$37.7K ✓
Annual income after 10y	$0.14	$2,786.64 ✓
Total dividends collected	$145.00 ✓	$14.3K
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	HVBC Portfolio	HVBC Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$10,772	$72.25	$11,299	$598.92	$527.00 → BTI
2	$11,563	$36.37	$12,794	$703.91	$1.2K → BTI
3	$12,390	$18.24	$14,518	$829.07	$2.1K → BTI
4	$13,267	$9.13	$16,513	$978.64	$3.2K → BTI
5	$14,200	$4.57	$18,827	$1,157.84	$4.6K → BTI
6	$15,196	$2.29	$21,518	$1,373.12	$6.3K → BTI
7	$16,261	$1.14	$24,657	$1,632.46	$8.4K → BTI
8	$17,400	$0.57	$28,329	$1,945.74	$10.9K → BTI
9	$18,618	$0.29	$32,637	$2,325.33	$14.0K → BTI
10	$19,922	$0.14	$37,708	$2,786.64	$17.8K → BTI

HVBC vs BTI: Complete Analysis 2026

HVBC — Stock

HV Bancorp, Inc. operates as the bank holding company for Huntingdon Valley Bank that provides various financial products and services to individuals and businesses. Its deposit products include money market, savings, and checking accounts, as well as demand deposits and certificates of deposit; and loan portfolio comprises one-to-four family residential real estate, commercial real estate, home equity, commercial business, construction, and consumer loans, as well as home equity lines of credit. The company also invests in various investment securities. It serves communities located in Montgomery, Bucks, and Philadelphia counties in Pennsylvania, as well as Burlington County in New Jersey and New Castle County in Delaware; and from its seven full-service banking offices and one limited service branch. The company was founded in 1871 and is headquartered in Doylestown, Pennsylvania.

Full HVBC Calculator →

BTI — Consumer 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.