HomeCompareLBC vs BTI

LBC vs BTI: Dividend Comparison 2026

LBC yields 5.25% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $17.1K in total portfolio value
10 years
LBC
LBC
● Live price
5.25%
Share price
$9.15
Annual div
$0.48
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.6K
Annual income
$0.54
Full LBC 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 — LBC 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 PeriodLBCBTI
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, LBC + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

LBC
Annual income on $10K today (after 15% tax)
$445.90/yr
After 10yr DRIP, annual income (after tax)
$0.46/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 $2,368.19/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

LBC: 50%BTI: 50%
100% BTI50/50100% LBC
Portfolio after 10yr
$29.1K
Annual income
$1,393.59/yr
Blended yield
4.78%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

LBC
Analyst Ratings
2
Buy
4
Hold
Consensus: Hold
Altman Z
0.5
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)

LBC buys
0
BTI buys
0
No recent congressional trades found for LBC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricLBCBTI
Forward yield5.25%5.38%
Annual dividend / share$0.48$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%11.3%
Portfolio after 10y$20.6K$37.7K
Annual income after 10y$0.54$2,786.64
Total dividends collected$532.00$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearLBC PortfolioLBC Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,962$262.30$11,299$598.92$337.00BTI
2$11,864$134.36$12,794$703.91$930.00BTI
3$12,762$67.95$14,518$829.07$1.8KBTI
4$13,690$34.16$16,513$978.64$2.8KBTI
5$14,665$17.12$18,827$1,157.84$4.2KBTI
6$15,701$8.57$21,518$1,373.12$5.8KBTI
7$16,804$4.29$24,657$1,632.46$7.9KBTI
8$17,982$2.14$28,329$1,945.74$10.3KBTI
9$19,242$1.07$32,637$2,325.33$13.4KBTI
10$20,590$0.54$37,708$2,786.64$17.1KBTI

LBC vs BTI: Complete Analysis 2026

LBCStock

Luther Burbank Corporation operates as the bank holding company for Luther Burbank Savings that provides various banking products and services for real estate investors, professionals, entrepreneurs, depositors, and commercial businesses. The company offers interest and noninterest-bearing transaction accounts, certificates of deposit, and money market accounts. It also provides commercial real estate loans, including first mortgage loans for the purchase, refinance, or build-out of tenant improvements on investor-owned multifamily residential properties, as well as loans for the purchase, refinance, or improvement of office, retail, and light industrial properties; single family residential loans; and a portfolio of 30-year fixed rate first mortgage and a forgivable second mortgage. In addition, the company offers ATM, debit cards, online and mobile banking, and real estate investment services; and issues trust preferred securities. As of December 31, 2021, it operated ten full service branches in California located in Sonoma, Marin, Santa Clara, and Los Angeles Counties; one full service branch in Washington located in King County; six loan production offices located throughout California; and a loan production office in Clackamas County, Oregon. Luther Burbank Corporation was founded in 1983 and is headquartered in Santa Rosa, California.

Full LBC 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 →
📬

Get this LBC vs BTI comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

LBC vs SCHDLBC vs JEPILBC vs OLBC vs KOLBC 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.