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MFNC vs BTI: Dividend Comparison 2026

MFNC yields 51.61% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 MFNC wins by $1952145.48M in total portfolio value
10 years
MFNC
MFNC
● Live price
51.61%
Share price
$21.50
Annual div
$11.10
5Y div CAGR
60%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1952145.52M
Annual income
$1,886,736,100,143.17
Full MFNC 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 — MFNC vs BTI

📍 MFNC 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 PeriodMFNCBTI
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, MFNC + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MFNC
Annual income on $10K today (after 15% tax)
$4,386.60/yr
After 10yr DRIP, annual income (after tax)
$1,603,725,685,121.69/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, MFNC beats the other by $1,603,725,682,753.05/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

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

MFNC: 50%BTI: 50%
100% BTI50/50100% MFNC
Portfolio after 10yr
$976072.78M
Annual income
$943,368,051,464.91/yr
Blended yield
96.65%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

MFNC
Analyst Ratings
2
Buy
Consensus: Buy
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)

MFNC buys
0
BTI buys
0
No recent congressional trades found for MFNC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMFNCBTI
Forward yield51.61%5.38%
Annual dividend / share$11.10$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR60%11.3%
Portfolio after 10y$1952145.52M$37.7K
Annual income after 10y$1,886,736,100,143.17$2,786.64
Total dividends collected$1947654.53M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearMFNC PortfolioMFNC Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$18,957$8,257.12$11,299$598.92+$7.7KMFNC
2$43,691$23,406.55$12,794$703.91+$30.9KMFNC
3$127,415$80,665.89$14,518$829.07+$112.9KMFNC
4$488,103$351,769.09$16,513$978.64+$471.6KMFNC
5$2,537,317$2,015,046.78$18,827$1,157.84+$2.52MMFNC
6$18,378,276$15,663,346.43$21,518$1,373.12+$18.36MMFNC
7$189,313,552$169,648,796.61$24,657$1,632.46+$189.29MMFNC
8$2,815,713,033$2,613,147,532.71$28,329$1,945.74+$2815.68MMFNC
9$61,130,299,352$58,117,486,407.20$32,637$2,325.33+$61130.27MMFNC
10$1,952,145,520,450$1,886,736,100,143.17$37,708$2,786.64+$1952145.48MMFNC

MFNC vs BTI: Complete Analysis 2026

MFNCStock

Mackinac Financial Corp. is a bank holding company, which engages in the provision of commercial banking services through its subsidiary, mBank. The company is headquartered in Manistique, Michigan and currently employs 294 full-time employees. The Company, through the Bank, is engaged in the general commercial banking business. The Bank provides a range of loan and deposit products. These banking services include customary retail and commercial banking services, including checking and savings accounts, time deposits, interest bearing transaction accounts, safe deposit facilities, real estate mortgage lending, commercial lending, commercial and governmental lease financing, and direct and indirect consumer financing. The funds for the Bank's operation are also provided by brokered deposits and through borrowings from the Federal Home Loan Bank (FHLB) system, proceeds from the sale of loans and mortgage-backed and other securities, funds from repayment of outstanding loans and earnings from operations. The Bank has over 13 branch offices located in the Upper Peninsula of Michigan and four branch offices located in Michigan's Lower Peninsula.

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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.