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MOFG vs BTI: Dividend Comparison 2026

MOFG yields 2.46% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $624.00 in total portfolio value
10 years
MOFG
MOFG
● Live price
2.46%
Share price
$49.31
Annual div
$1.21
5Y div CAGR
25.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.1K
Annual income
$4,035.98
Full MOFG 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 — MOFG vs BTI

📍 BTI 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 PeriodMOFGBTI
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, MOFG + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

MOFG
Annual income on $10K today (after 15% tax)
$209.01/yr
After 10yr DRIP, annual income (after tax)
$3,430.58/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, MOFG beats the other by $1,061.94/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

MOFG: 50%BTI: 50%
100% BTI50/50100% MOFG
Portfolio after 10yr
$37.4K
Annual income
$3,411.31/yr
Blended yield
9.12%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

MOFG
Analyst Ratings
4
Buy
4
Hold
Consensus: Buy
Price Target
$31.25
-36.6% upside vs current
Range: $31.00 — $31.50
Altman Z
-0.5
Piotroski
6/9
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)

MOFG buys
0
BTI buys
0
No recent congressional trades found for MOFG or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMOFGBTI
Forward yield2.46%5.38%
Annual dividend / share$1.21$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR25.6%11.3%
Portfolio after 10y$37.1K$37.7K
Annual income after 10y$4,035.98$2,786.64
Total dividends collected$14.6K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy
Analyst price target$31.25$40.00

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

YearMOFG PortfolioMOFG Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,009$308.84$11,299$598.92$290.00BTI
2$12,179$399.10$12,794$703.91$615.00BTI
3$13,549$518.26$14,518$829.07$969.00BTI
4$15,175$676.82$16,513$978.64$1.3KBTI
5$17,127$889.77$18,827$1,157.84$1.7KBTI
6$19,504$1,178.79$21,518$1,373.12$2.0KBTI
7$22,445$1,575.80$24,657$1,632.46$2.2KBTI
8$26,145$2,128.64$28,329$1,945.74$2.2KBTI
9$30,886$2,910.54$32,637$2,325.33$1.8KBTI
10$37,084$4,035.98$37,708$2,786.64$624.00BTI

MOFG vs BTI: Complete Analysis 2026

MOFGStock

MidWestOne Financial Group, Inc. operates as the bank holding company for MidWestOne Bank that provides commercial and retail banking products and services to individuals, businesses, governmental units, and institutional customers. It offers deposit products, such as noninterest bearing and interest-bearing demand deposit accounts, interest checking accounts, savings accounts, money market accounts, certificates of deposit, and time deposits. The company also provides commercial and industrial, commercial and residential real estate, agricultural, and credit card loans, as well as consumer loans, such as secured and unsecured personal, and automobile loans. In addition, it offers various trust and investment services, including administering estates, personal trusts, and conservatorships, as well as property management, farm management, investment advisory, retail securities brokerage, and financial planning and custodial services, as well as investment-related services, including securities trading, mutual funds sales, fixed and variable annuities, tax-exempted, and conventional unit trusts. Further, the company provides other products and services comprising treasury management, debit cards, automated teller machines, online and mobile banking, and safe deposit boxes. It offers its products and services primarily through a network of 56 banking offices located in central and eastern Iowa, the Minneapolis/St. Paul metropolitan area of Minnesota, southwestern Wisconsin, southwestern Florida, and Denver, Colorado. MidWestOne Financial Group, Inc. was incorporated in 1983 and is headquartered in Iowa City, Iowa.

Full MOFG Calculator →

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.