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MFGI vs BTI: Dividend Comparison 2026

MFGI yields 2.26% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MFGI wins by $189.9K in total portfolio value· pulled ahead in Year 4
10 years
MFGI
MFGI
● Live price
2.26%
Share price
$35.00
Annual div
$0.79
5Y div CAGR
56.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$227.6K
Annual income
$113,362.76
Full MFGI 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 — MFGI vs BTI

📍 MFGI 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 PeriodMFGIBTI
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, MFGI + BTI cover 0 of 12 monthsgood coverage

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

MFGI
Annual income on $10K today (after 15% tax)
$191.86/yr
After 10yr DRIP, annual income (after tax)
$96,358.35/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, MFGI beats the other by $93,989.70/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MFGI: 50%BTI: 50%
100% BTI50/50100% MFGI
Portfolio after 10yr
$132.7K
Annual income
$58,074.70/yr
Blended yield
43.77%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

MFGI
No analyst data
Altman Z
-0.6
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)

MFGI buys
0
BTI buys
0
No recent congressional trades found for MFGI or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMFGIBTI
Forward yield2.26%5.38%
Annual dividend / share$0.79$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR56.2%11.3%
Portfolio after 10y$227.6K$37.7K
Annual income after 10y$113,362.76$2,786.64
Total dividends collected$195.5K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearMFGI PortfolioMFGI Income/yrBTI PortfolioBTI Income/yrGap
1$11,053$352.57$11,299$598.92$246.00BTI
2$12,395$568.85$12,794$703.91$399.00BTI
3$14,194$931.29$14,518$829.07$324.00BTI
4← crossover$16,744$1,556.82$16,513$978.64+$231.00MFGI
5$20,598$2,681.02$18,827$1,157.84+$1.8KMFGI
6$26,854$4,814.40$21,518$1,373.12+$5.3KMFGI
7$37,896$9,162.83$24,657$1,632.46+$13.2KMFGI
8$59,426$18,876.39$28,329$1,945.74+$31.1KMFGI
9$106,796$43,210.69$32,637$2,325.33+$74.2KMFGI
10$227,634$113,362.76$37,708$2,786.64+$189.9KMFGI

MFGI vs BTI: Complete Analysis 2026

MFGIStock

Merchants Financial Group, Inc. operates as the bank holding company for Merchants Bank, National Association that provides various banking products and services to individuals and families, and companies in the United States. It offers checking, savings, certificates of deposit, and individual retirement accounts; and debit, gift, travel, and credit cards. The company also provides personal loans for cars and autos, boats, trailers, motorcycles, tractors, or RVs; furniture or appliances; debt consolidation services; mortgage, construction, home equity, term, commercial and residential real estate, equipment finance, floor plan, fleet/truck, small business, farming/start-up, and other loans, as well as finance for farming operations, including working capital and input costs, equipment, capital improvements, and others. In addition, it offers investment and trust, treasury management, and mobile and online banking services. It operates branches in Winona, Goodview, Rushford, Lanesboro, St. Charles, Rochester, La Crescent, Caledonia, Spring Grove, Cannon Falls, Red Wing, Hampton, Hastings, Apple Valley, Lakeville, Cottage Grove, Rosemount, and Northfield, Minnesota; and Onalaska and Eau Claire, Wisconsin. The company was founded in 1875 and is headquartered in Winona, Minnesota.

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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.