HomeCompareMDC vs BTI

MDC vs BTI: Dividend Comparison 2026

MDC yields 3.41% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MDC wins by $791.84M in total portfolio value
10 years
MDC
MDC
● Live price
3.41%
Share price
$62.98
Annual div
$2.15
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$791.88M
Annual income
$749,692,664.33
Full MDC 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 — MDC vs BTI

📍 MDC 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 PeriodMDCBTI
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, MDC + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MDC
Annual income on $10K today (after 15% tax)
$290.17/yr
After 10yr DRIP, annual income (after tax)
$637,238,764.68/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, MDC beats the other by $637,236,396.04/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MDC: 50%BTI: 50%
100% BTI50/50100% MDC
Portfolio after 10yr
$395.96M
Annual income
$374,847,725.48/yr
Blended yield
94.67%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

MDC
Analyst Ratings
5
Buy
12
Hold
3
Sell
Consensus: Hold
Price Target
$36.83
-41.5% upside vs current
Range: $27.00 — $44.00
Altman Z
3.1
Piotroski
4/9
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)

MDC buys
0
BTI buys
0
PoliticianChamberTickerTypeAmountDate
Patty Murray🏛 Senate$MDC▼ Sell$1,001 - $15,0002017-06-15
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMDCBTI
Forward yield3.41%5.38%
Annual dividend / share$2.15$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100%11.3%
Portfolio after 10y$791.88M$37.7K
Annual income after 10y$749,692,664.33$2,786.64
Total dividends collected$788.81M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$36.83$40.00

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

YearMDC PortfolioMDC Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,383$682.76$11,299$598.92+$84.00MDC
2$13,632$1,452.64$12,794$703.91+$838.00MDC
3$17,838$3,251.80$14,518$829.07+$3.3KMDC
4$27,040$7,953.47$16,513$978.64+$10.5KMDC
5$51,469$22,535.32$18,827$1,157.84+$32.6KMDC
6$135,246$80,174.97$21,518$1,373.12+$113.7KMDC
7$538,507$393,793.49$24,657$1,632.46+$513.9KMDC
8$3,506,966$2,930,763.07$28,329$1,945.74+$3.48MMDC
9$39,427,705$35,675,251.97$32,637$2,325.33+$39.40MMDC
10$791,880,309$749,692,664.33$37,708$2,786.64+$791.84MMDC

MDC vs BTI: Complete Analysis 2026

MDCStock

M.D.C. Holdings, Inc., through its subsidiaries, engages in the homebuilding and financial service businesses. Its homebuilding operations include purchasing finished lots or developing lots for the construction and sale primarily of single-family detached homes to first-time and first-time move-up homebuyers under the Richmond American Homes name. The company conducts its homebuilding operations in Arizona, California, Nevada, New Mexico, Oregon, Texas, Washington, Colorado, Idaho, Utah, Maryland, Pennsylvania, Virginia, Tennessee, and Florida. Its financial services operations comprise originating mortgage loans primarily for homebuyers; providing insurance coverage primarily to its homebuilding subsidiaries and subcontractors for homes sold by its homebuilding subsidiaries, and for work performed in completed subdivisions; acting as a re-insurer on the claims; selling third-party personal property and casualty insurance products to homebuyers; and offering title agency services to homebuilding subsidiaries and customers in Colorado, Florida, Maryland, Nevada, and Virginia. M.D.C. Holdings, Inc. was founded in 1972 and is headquartered in Denver, Colorado.

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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.