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LRCDF vs MO: Dividend Comparison 2026

LRCDF yields 4.61% · MO yields 6.27%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $55.3K in total portfolio value· pulled ahead in Year 5
10 years
LRCDF
LRCDF
● Live price
4.61%
Share price
$29.29
Annual div
$1.35
5Y div CAGR
-19.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$22.4K
Annual income
$60.66
Full LRCDF 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 — LRCDF vs MO

📍 MO pulled ahead of the other in Year 5

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 PeriodLRCDFMO
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, LRCDF + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

LRCDF
Annual income on $10K today (after 15% tax)
$391.94/yr
After 10yr DRIP, annual income (after tax)
$51.56/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, MO beats the other by $24,571.70/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

LRCDF: 50%MO: 50%
100% MO50/50100% LRCDF
Portfolio after 10yr
$50.1K
Annual income
$14,514.60/yr
Blended yield
28.99%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

LRCDF
Analyst Ratings
1
Buy
1
Sell
Consensus: Buy
Altman Z
-0.0
Piotroski
4/9
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)

LRCDF 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 →
MetricLRCDFMO
Forward yield4.61%6.27%
Annual dividend / share$1.35$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-19.4%22.6%
Portfolio after 10y$22.4K$77.7K
Annual income after 10y$60.66$28,968.54
Total dividends collected$1.8K$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearLRCDF PortfolioLRCDF Income/yrMO PortfolioMO Income/yrGap
1$11,072$371.65$10,558$768.31+$514.00LRCDF
2$12,157$309.95$11,352$1,015.87+$805.00LRCDF
3$13,264$256.36$12,482$1,367.86+$782.00LRCDF
4$14,403$210.70$14,103$1,883.39+$300.00LRCDF
5← crossover$15,584$172.34$16,472$2,664.91$888.00MO
6$16,815$140.46$20,024$3,897.79$3.2KMO
7$18,106$114.17$25,537$5,933.74$7.4KMO
8$19,466$92.60$34,478$9,476.77$15.0KMO
9$20,904$74.99$49,776$16,022.63$28.9KMO
10$22,428$60.66$77,699$28,968.54$55.3KMO

LRCDF vs MO: Complete Analysis 2026

LRCDFStock

Laurentian Bank of Canada, together with its subsidiaries, provides various financial services to personal, business, and institutional customers in Canada and the United States. It operates through three segments: Personal Banking, Commercial Banking, and Capital Markets. The company offers notice, demand, and term deposits; commercial, residential mortgage, and personal loans; real estate, and equipment and inventory financing; and credit life and disability insurance products. It also provides investment securities services; research, market analysis, and advisory services; corporate underwriting services for debt and equity; and administrative, foreign exchange, and trustee services. The company sells its products through the bank's financial clinics, advisors, broker channels, and digital platforms. Laurentian Bank of Canada was founded in 1846 and is headquartered in Montréal, Canada.

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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.