Home › Compare › IFHI vs BTI

IFHI vs BTI: Dividend Comparison 2026

IFHI yields 5.92% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $8.2K in total portfolio value
10 years
IFHI
IFHI
● Live price
5.92%
Share price
$33.80
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.5K
Annual income
$862.89
Full IFHI 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 — IFHI vs BTI

📍 BTI pulled ahead of the other in Year 1

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 PeriodIFHIBTI
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, IFHI + BTI cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
IFHI pays
BTI pays
Both pay
Neither
💰

Tax Bracket Optimizer

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

IFHI
Annual income on $10K today (after 15% tax)
$502.96/yr
After 10yr DRIP, annual income (after tax)
$733.46/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 $1,635.19/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

IFHI: 50%BTI: 50%
100% BTI50/50100% IFHI
Portfolio after 10yr
$33.6K
Annual income
$1,824.76/yr
Blended yield
5.43%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

IFHI
No analyst data
Altman Z
0.3
Piotroski
3/9
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)

IFHI buys
0
BTI buys
0
No recent congressional trades found for IFHI or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricIFHIBTI
Forward yield5.92% ✓5.38%
Annual dividend / share$2.00$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3% ✓
Portfolio after 10y$29.5K$37.7K ✓
Annual income after 10y$862.89$2,786.64 ✓
Total dividends collected$7.3K$14.3K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearIFHI PortfolioIFHI Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,292$591.72$11,299$598.92$7.00 → BTI
2$12,707$624.44$12,794$703.91$87.00 → BTI
3$14,253$656.71$14,518$829.07$265.00 → BTI
4$15,939$688.43$16,513$978.64$574.00 → BTI
5$17,774$719.51$18,827$1,157.84$1.1K → BTI
6$19,768$749.86$21,518$1,373.12$1.8K → BTI
7$21,931$779.43$24,657$1,632.46$2.7K → BTI
8$24,275$808.15$28,329$1,945.74$4.1K → BTI
9$26,810$835.98$32,637$2,325.33$5.8K → BTI
10$29,549$862.89$37,708$2,786.64$8.2K → BTI

IFHI vs BTI: Complete Analysis 2026

IFHI — Stock

Integrated Financial Holdings, Inc., a financial services holding company, provides small business lending solutions and bank deposit products in North Carolina. The company offers checking, savings, and time certificate accounts; and residential mortgage, real estate, commercial, and consumer loans. It also provides commercial account services; government guaranteed lending, hemp banking, and mortgage lending; and cash management solutions. In addition, the company offers payment processing solutions for small and medium sized businesses. Further, it provides insurance agency; loan processing and servicing; loan documentation origination; brokerage and loan syndication; and real estate management services. The company was formerly known as West Town Bancorp, Inc. and changed its name to Integrated Financial Holdings, Inc. in September 2020. Integrated Financial Holdings, Inc. was founded in 1922 and is headquartered in Raleigh, North Carolina.

Full IFHI 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 →
📬

Get this IFHI vs BTI comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

IFHI vs SCHDIFHI vs JEPIIFHI vs OIFHI vs KOIFHI vs MAIN

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