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LUMB vs MO: Dividend Comparison 2026

LUMB yields 2.46% · MO yields 6.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 LUMB wins by $27.6K in total portfolio value
10 years
LUMB
LUMB
● Live price
2.46%
Share price
$14.25
Annual div
$0.35
5Y div CAGR
45.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$105.3K
Annual income
$36,671.64
Full LUMB 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 — LUMB vs MO

📍 LUMB 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 PeriodLUMBMO
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, LUMB + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

LUMB
Annual income on $10K today (after 15% tax)
$208.77/yr
After 10yr DRIP, annual income (after tax)
$31,170.89/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, LUMB beats the other by $6,547.63/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

LUMB: 50%MO: 50%
100% MO50/50100% LUMB
Portfolio after 10yr
$91.5K
Annual income
$32,820.09/yr
Blended yield
35.88%
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Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

LUMB
No analyst data
Altman Z
0.1
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)

LUMB 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 →
MetricLUMBMO
Forward yield2.46%6.27%
Annual dividend / share$0.35$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR45.6%22.6%
Portfolio after 10y$105.3K$77.7K
Annual income after 10y$36,671.64$28,968.54
Total dividends collected$78.1K$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearLUMB PortfolioLUMB Income/yrMO PortfolioMO Income/yrGap
1← crossover$11,058$357.61$10,558$768.31+$500.00LUMB
2$12,370$538.09$11,352$1,015.87+$1.0KLUMB
3$14,055$819.09$12,482$1,367.86+$1.6KLUMB
4$16,305$1,266.39$14,103$1,883.39+$2.2KLUMB
5$19,445$1,999.14$16,472$2,664.91+$3.0KLUMB
6$24,051$3,244.29$20,024$3,897.79+$4.0KLUMB
7$31,195$5,460.23$25,537$5,933.74+$5.7KLUMB
8$43,015$9,636.92$34,478$9,476.77+$8.5KLUMB
9$64,109$18,082.46$49,776$16,022.63+$14.3KLUMB
10$105,268$36,671.64$77,699$28,968.54+$27.6KLUMB

LUMB vs MO: Complete Analysis 2026

LUMBStock

Lumbee Guaranty Bank provides various community banking services. The company offers personal and business checking and savings accounts; personal certificates of deposit and individual retirement accounts; and business investment accounts. It also provides mortgage, auto, personal, and business loans, as well as lines of credit; personal convenience and business services. In addition, the company offers online, bill pay, mobile, and telephone banking services. It operates fourteen branch offices in Robeson, Cumberland, and Hoke counties in North Carolina. The company was formerly known as Lumbee Bank and changed its name to Lumbee Guaranty Bank in 1991. Lumbee Guaranty Bank was incorporated in 1971 and is based in Pembroke, North Carolina.

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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.