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NCBS vs MO: Dividend Comparison 2026

NCBS yields 2.65% · MO yields 6.27%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $54.0K in total portfolio value· pulled ahead in Year 5
10 years
NCBS
NCBS
● Live price
2.65%
Share price
$75.35
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$23.7K
Annual income
$315.00
Full NCBS calculator →
MO
Altria Group Inc.
● Live price
6.27%
Share price
$67.02
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$28,968.54
Full MO calculator →

Portfolio growth — NCBS vs MO

📍 MO pulled ahead of the other in Year 5

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 PeriodNCBSMO
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%.
📅

Dividend Calendar Overlap

Combined, NCBS + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

NCBS
Annual income on $10K today (after 15% tax)
$225.61/yr
After 10yr DRIP, annual income (after tax)
$267.75/yr
MO
Annual income on $10K today (after 15% tax)
$532.68/yr
After 10yr DRIP, annual income (after tax)
$24,623.26/yr
At 15% tax rate, MO beats the other by $24,355.51/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of NCBS + MO for your $10,000?

NCBS: 50%MO: 50%
100% MO50/50100% NCBS
Portfolio after 10yr
$50.7K
Annual income
$14,641.77/yr
Blended yield
28.89%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

NCBS
Analyst Ratings
2
Buy
4
Hold
Consensus: Hold
Altman Z
0.4
Piotroski
6/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-8.6% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
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)

NCBS buys
0
MO buys
0
No recent congressional trades found for NCBS or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNCBSMO
Forward yield2.65%6.27%
Annual dividend / share$2.00$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%22.6%
Portfolio after 10y$23.7K$77.7K
Annual income after 10y$315.00$28,968.54
Total dividends collected$2.9K$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

Year-by-year: NCBS vs MO ($10,000, DRIP)

YearNCBS PortfolioNCBS Income/yrMO PortfolioMO Income/yrGap
1$10,965$265.43$10,558$768.31+$407.00NCBS
2$12,005$272.01$11,352$1,015.87+$653.00NCBS
3$13,124$278.32$12,482$1,367.86+$642.00NCBS
4$14,327$284.35$14,103$1,883.39+$224.00NCBS
5← crossover$15,620$290.11$16,472$2,664.91$852.00MO
6$17,009$295.60$20,024$3,897.79$3.0KMO
7$18,500$300.82$25,537$5,933.74$7.0KMO
8$20,101$305.80$34,478$9,476.77$14.4KMO
9$21,818$310.52$49,776$16,022.63$28.0KMO
10$23,661$315.00$77,699$28,968.54$54.0KMO

NCBS vs MO: Complete Analysis 2026

NCBSStock

Nicolet Bankshares, Inc. operates as the bank holding company for Nicolet National Bank that provides banking products and services for businesses and individuals. The company accepts checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including commercial, industrial, and business loans and lines of credit; commercial real estate loans; agricultural (AG) production and AG real estate loans; commercial real estate investment real estate loans; construction and land development loans; residential real estate loans, such as residential first lien and junior lien mortgages, home equity loans, lines of credit, and residential construction loans; and consumer loans. In addition, the company provides cash management, international banking, personal brokerage, safe deposit boxes, and trust and fiduciary services, as well as wealth management and retirement plan services. Further, it offers mortgage refinancing; online services, such as commercial, retail, and trust online banking; automated bill payment, mobile banking deposits and account access, and remote deposit capture services; and other services consisting of wire transfers, debit cards, credit cards, pre-paid gift cards, direct deposits, and official bank checks, as well as facilitates crop insurance products. As of December 31, 2021, it operated 52 branches throughout Wisconsin and Michigan. The company was formerly known as Green Bay Financial Corporation and changed its name to Nicolet Bankshares, Inc. in March 2002. Nicolet Bankshares, Inc. was incorporated in 2000 and is headquartered in Green Bay, Wisconsin.

Full NCBS Calculator →

MOConsumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

Full MO 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.