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IBWC vs BTI: Dividend Comparison 2026

IBWC yields 0.32% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 IBWC wins by $200.0K in total portfolio value· pulled ahead in Year 7
10 years
IBWC
IBWC
● Live price
0.32%
Share price
$41.00
Annual div
$0.13
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$237.7K
Annual income
$148,035.98
Full IBWC 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 — IBWC vs BTI

📍 IBWC pulled ahead of the other in Year 7

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 PeriodIBWCBTI
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, IBWC + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IBWC pays
BTI pays
Both pay
Neither
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Tax Bracket Optimizer

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

IBWC
Annual income on $10K today (after 15% tax)
$26.95/yr
After 10yr DRIP, annual income (after tax)
$125,830.58/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, IBWC beats the other by $123,461.94/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IBWC: 50%BTI: 50%
100% BTI50/50100% IBWC
Portfolio after 10yr
$137.7K
Annual income
$75,411.31/yr
Blended yield
54.76%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

IBWC
No analyst data
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)

IBWC buys
0
BTI buys
0
No recent congressional trades found for IBWC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIBWCBTI
Forward yield0.32%5.38%
Annual dividend / share$0.13$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$237.7K$37.7K
Annual income after 10y$148,035.98$2,786.64
Total dividends collected$210.4K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearIBWC PortfolioIBWC Income/yrBTI PortfolioBTI Income/yrGap
1$10,763$63.41$11,299$598.92$536.00BTI
2$11,644$127.58$12,794$703.91$1.1KBTI
3$12,718$257.99$14,518$829.07$1.8KBTI
4$14,134$526.66$16,513$978.64$2.4KBTI
5$16,218$1,094.09$18,827$1,157.84$2.6KBTI
6$19,700$2,346.47$21,518$1,373.12$1.8KBTI
7← crossover$26,406$5,327.52$24,657$1,632.46+$1.7KIBWC
8$41,603$13,348.06$28,329$1,945.74+$13.3KIBWC
9$83,823$39,307.92$32,637$2,325.33+$51.2KIBWC
10$237,726$148,035.98$37,708$2,786.64+$200.0KIBWC

IBWC vs BTI: Complete Analysis 2026

IBWCStock

IBW Financial Corporation operates as the bank holding company for Industrial Bank that provides various banking and financial products and services to individual consumers, small-and middle-market businesses, and government agencies in Washington, the District of Columbia. It offers checking, savings, and certificate of deposit accounts; savings and investments products; mortgages; business credit and financing, SBA loans, non-profit and faith-based lending, commercial real estate financing, and short- and long-term financing; and cash management products. The company was founded in 1934 and is based in Washington, the District of Columbia.

Full IBWC 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.