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KSBI vs BTI: Dividend Comparison 2026

KSBI yields 1.40% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 KSBI wins by $14.88M in total portfolio value· pulled ahead in Year 4
10 years
KSBI
KSBI
● Live price
1.40%
Share price
$81.00
Annual div
$1.13
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$14.91M
Annual income
$13,109,333.93
Full KSBI 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 — KSBI vs BTI

📍 KSBI pulled ahead of the other in Year 4

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 PeriodKSBIBTI
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, KSBI + BTI cover 0 of 12 monthsgood coverage

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

KSBI
Annual income on $10K today (after 15% tax)
$118.58/yr
After 10yr DRIP, annual income (after tax)
$11,142,933.84/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, KSBI beats the other by $11,140,565.20/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

KSBI: 50%BTI: 50%
100% BTI50/50100% KSBI
Portfolio after 10yr
$7.48M
Annual income
$6,556,060.28/yr
Blended yield
87.69%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

KSBI
No analyst data
Altman Z
-0.8
Piotroski
5/9
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)

KSBI buys
0
BTI buys
0
No recent congressional trades found for KSBI or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricKSBIBTI
Forward yield1.40%5.38%
Annual dividend / share$1.13$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$14.91M$37.7K
Annual income after 10y$13,109,333.93$2,786.64
Total dividends collected$14.75M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearKSBI PortfolioKSBI Income/yrBTI PortfolioBTI Income/yrGap
1$10,979$279.01$11,299$598.92$320.00BTI
2$12,320$572.58$12,794$703.91$474.00BTI
3$14,383$1,200.97$14,518$829.07$135.00BTI
4← crossover$18,011$2,620.76$16,513$978.64+$1.5KKSBI
5$25,406$6,134.06$18,827$1,157.84+$6.6KKSBI
6$43,357$16,172.97$21,518$1,373.12+$21.8KKSBI
7$97,982$51,589.71$24,657$1,632.46+$73.3KKSBI
8$322,759$217,918.16$28,329$1,945.74+$294.4KKSBI
9$1,687,102$1,341,749.55$32,637$2,325.33+$1.65MKSBI
10$14,914,533$13,109,333.93$37,708$2,786.64+$14.88MKSBI

KSBI vs BTI: Complete Analysis 2026

KSBIStock

KS Bancorp, Inc. operates as the bank holding company for KS Bank, Inc. that provides a range of community banking services to consumers and businesses. It offers personal deposit accounts, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit; loan products, including vehicle, boat and marine, recreational, deposit/investment secured, student, debt consolidation, and home equity loans, as well as home equity lines of credit; and credit cards. The company also provides business checking and savings, and payroll card accounts; construction loans, such as builders' speculative and pre-sale and commercial builder loans; commercial loans, including equipment, facilities purchase, debt refinancing, and real estate loans; and seasonal cash needs, inventory financing, and receivables financing lines of credit. In addition, it offers merchant, payroll, cash management, and remote deposit services; and mortgage services, including home purchase, home refinance, construction/permanent loans. Further, the company provides wealth management services comprising investment management, financial and retirement planning, trust and estate, and private banking services. It operates through nine full service branch offices located in Kenly, Goldsboro, Wilson, Garner, Selma, Clayton, Wendell, Four Oaks, and Smithfield, North Carolina. The company was incorporated in 1924 and is headquartered in Smithfield, North Carolina.

Full KSBI 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.