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IBWC vs MO: Dividend Comparison 2026

IBWC yields 0.32% · MO yields 6.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 IBWC wins by $160.0K in total portfolio value
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 →
MO
Altria Group Inc.
● Live price
6.27%
Share price
$67.02
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$28,968.54
Full MO calculator →

Portfolio growth — IBWC vs MO

📍 IBWC 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 PeriodIBWCMO
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 + MO cover 0 of 12 monthsgood coverage

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

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
MO
Annual income on $10K today (after 15% tax)
$532.68/yr
After 10yr DRIP, annual income (after tax)
$24,623.26/yr
At 15% tax rate, IBWC beats the other by $101,207.32/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

IBWC: 50%MO: 50%
100% MO50/50100% IBWC
Portfolio after 10yr
$157.7K
Annual income
$88,502.26/yr
Blended yield
56.12%
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Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

IBWC
No analyst data
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-8.6% 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)

IBWC buys
0
MO buys
11
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$MO▲ Buy$1,000 - $15,0002025-08-04
Sheri Biggs🏢 House$MO▼ Sell$1,001 - $15,0002025-03-19
Pete Sessions🏢 House$MO▼ Sell$1,001 - $15,0002024-09-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-03-20
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-02-13
Virginia Foxx🏢 House$MO▼ Sell$1,001 - $15,0002024-01-16
Virginia Foxx🏢 House$MO▲ Buy$1,001 - $15,0002024-01-11
Ro Khanna🏢 House$MO▼ Sell$1,001 - $15,0002024-01-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-01-10
Virginia Foxx🏢 House$MO▼ Sell$15,001 - $50,0002024-01-10
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIBWCMO
Forward yield0.32%6.27%
Annual dividend / share$0.13$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%22.6%
Portfolio after 10y$237.7K$77.7K
Annual income after 10y$148,035.98$28,968.54
Total dividends collected$210.4K$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearIBWC PortfolioIBWC Income/yrMO PortfolioMO Income/yrGap
1← crossover$10,763$63.41$10,558$768.31+$205.00IBWC
2$11,644$127.58$11,352$1,015.87+$292.00IBWC
3$12,718$257.99$12,482$1,367.86+$236.00IBWC
4$14,134$526.66$14,103$1,883.39+$31.00IBWC
5$16,218$1,094.09$16,472$2,664.91$254.00MO
6$19,700$2,346.47$20,024$3,897.79$324.00MO
7$26,406$5,327.52$25,537$5,933.74+$869.00IBWC
8$41,603$13,348.06$34,478$9,476.77+$7.1KIBWC
9$83,823$39,307.92$49,776$16,022.63+$34.0KIBWC
10$237,726$148,035.98$77,699$28,968.54+$160.0KIBWC

IBWC vs MO: 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 →

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.