HomeCompareNACB vs BTI

NACB vs BTI: Dividend Comparison 2026

NACB yields 1.26% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $17.8K in total portfolio value
10 years
NACB
NACB
● Live price
1.26%
Share price
$66.49
Annual div
$0.84
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.9K
Annual income
$0.12
Full NACB 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 — NACB 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 PeriodNACBBTI
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, NACB + BTI cover 0 of 12 monthsgood coverage

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

NACB
Annual income on $10K today (after 15% tax)
$107.38/yr
After 10yr DRIP, annual income (after tax)
$0.10/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, BTI beats the other by $2,368.54/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NACB: 50%BTI: 50%
100% BTI50/50100% NACB
Portfolio after 10yr
$28.8K
Annual income
$1,393.38/yr
Blended yield
4.84%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

NACB
No analyst data
Altman Z
0.0
Piotroski
3/9
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)

NACB buys
0
BTI buys
0
No recent congressional trades found for NACB or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNACBBTI
Forward yield1.26%5.38%
Annual dividend / share$0.84$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%11.3%
Portfolio after 10y$19.9K$37.7K
Annual income after 10y$0.12$2,786.64
Total dividends collected$127.00$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearNACB PortfolioNACB Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,763$63.17$11,299$598.92$536.00BTI
2$11,548$31.77$12,794$703.91$1.2KBTI
3$12,373$15.93$14,518$829.07$2.1KBTI
4$13,247$7.97$16,513$978.64$3.3KBTI
5$14,178$3.99$18,827$1,157.84$4.6KBTI
6$15,172$2.00$21,518$1,373.12$6.3KBTI
7$16,236$1.00$24,657$1,632.46$8.4KBTI
8$17,373$0.50$28,329$1,945.74$11.0KBTI
9$18,589$0.25$32,637$2,325.33$14.0KBTI
10$19,890$0.12$37,708$2,786.64$17.8KBTI

NACB vs BTI: Complete Analysis 2026

NACBStock

National Capital Bancorp, Inc. operates as the bank holding for The National Capital Bank of Washington that provides various banking products and services to individuals and businesses in Washington. It offers savings and checking accounts. The company also provides personal loans; home equity lines of credit; residential mortgages; paycheck protection program loans; commercial lines of credit; term loans; commercial mortgages; construction finance; equipment financing and leasing; loans for nonprofit organizations; letters of credit; SBA loans; and debit and credit cards. In addition, it offers cash management, disbursement services, online and mobile banking services, mobile deposits, escrow management, automated clearing house, remote deposit capture, lockbox services, merchant card processing, safe deposit boxes, and wealth management services. The company was founded in 1889 and is based in Washington, the District of Columbia.

Full NACB 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.

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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.