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IDCBF vs BTI: Dividend Comparison 2026

IDCBF yields 5.12% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 IDCBF wins by $7013.81M in total portfolio value
10 years
IDCBF
IDCBF
● Live price
5.12%
Share price
$0.84
Annual div
$0.04
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$7013.85M
Annual income
$6,760,071,260.73
Full IDCBF calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — IDCBF vs BTI

📍 IDCBF 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 PeriodIDCBFBTI
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, IDCBF + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
IDCBF 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.

IDCBF
Annual income on $10K today (after 15% tax)
$434.97/yr
After 10yr DRIP, annual income (after tax)
$5,746,060,571.62/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, IDCBF beats the other by $5,746,058,189.67/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IDCBF: 50%BTI: 50%
100% BTI50/50100% IDCBF
Portfolio after 10yr
$3506.94M
Annual income
$3,380,037,031.50/yr
Blended yield
96.38%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

IDCBF
Analyst Ratings
1
Hold
Consensus: Hold
Altman Z
0.1
Piotroski
6/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% 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)

IDCBF buys
0
BTI buys
0
No recent congressional trades found for IDCBF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIDCBFBTI
Forward yield5.12%5.40%
Annual dividend / share$0.04$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$7013.85M$37.8K
Annual income after 10y$6,760,071,260.73$2,802.29
Total dividends collected$6996.07M$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearIDCBF PortfolioIDCBF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,723$1,023.46$11,301$601.08+$422.00IDCBF
2$14,787$2,242.70$12,799$706.58+$2.0KIDCBF
3$21,109$5,287.33$14,527$832.38+$6.6KIDCBF
4$36,695$14,108.48$16,527$982.75+$20.2KIDCBF
5$85,106$45,842.21$18,846$1,162.95+$66.3KIDCBF
6$289,793$198,729.41$21,545$1,379.49+$268.2KIDCBF
7$1,574,917$1,264,838.46$24,694$1,640.41+$1.55MIDCBF
8$14,533,618$12,848,456.86$28,378$1,955.69+$14.51MIDCBF
9$237,173,165$221,622,194.03$32,702$2,337.79+$237.14MIDCBF
10$7,013,846,548$6,760,071,260.73$37,794$2,802.29+$7013.81MIDCBF

IDCBF vs BTI: Complete Analysis 2026

IDCBFStock

Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. Its products and services include corporate loans, trade financing, deposit taking activities, corporate wealth management services, custody activities, and various corporate intermediary services. The Personal Banking segment provides financial products and services to individual customers. This segment's products and services comprise personal loans and cards, deposits, and personal wealth management and intermediary services. The Treasury Operations segment is involved in the money market transactions, investment securities, and foreign exchange transactions businesses, as well as in the holding of derivative positions. It also offers e-banking services, investment banking, financial leasing, and insurance services. The company was founded in 1984 and is based in Beijing, the People's Republic of China.

Full IDCBF 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.