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NIDB vs BTI: Dividend Comparison 2026

NIDB yields 3.30% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $16.8K in total portfolio value
10 years
NIDB
NIDB
● Live price
3.30%
Share price
$22.40
Annual div
$0.74
5Y div CAGR
-30.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.9K
Annual income
$8.69
Full NIDB 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 — NIDB 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 PeriodNIDBBTI
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, NIDB + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

NIDB
Annual income on $10K today (after 15% tax)
$280.80/yr
After 10yr DRIP, annual income (after tax)
$7.39/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 $2,361.26/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

NIDB: 50%BTI: 50%
100% BTI50/50100% NIDB
Portfolio after 10yr
$29.3K
Annual income
$1,397.67/yr
Blended yield
4.77%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

NIDB
No analyst data
Altman Z
0.2
Piotroski
4/9
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)

NIDB buys
0
BTI buys
0
No recent congressional trades found for NIDB or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricNIDBBTI
Forward yield3.30%5.38%
Annual dividend / share$0.74$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-30.9%11.3%
Portfolio after 10y$20.9K$37.7K
Annual income after 10y$8.69$2,786.64
Total dividends collected$739.00$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearNIDB PortfolioNIDB Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,928$228.28$11,299$598.92$371.00BTI
2$11,854$161.10$12,794$703.91$940.00BTI
3$12,797$112.86$14,518$829.07$1.7KBTI
4$13,771$78.68$16,513$978.64$2.7KBTI
5$14,790$54.68$18,827$1,157.84$4.0KBTI
6$15,863$37.92$21,518$1,373.12$5.7KBTI
7$17,000$26.27$24,657$1,632.46$7.7KBTI
8$18,208$18.18$28,329$1,945.74$10.1KBTI
9$19,495$12.57$32,637$2,325.33$13.1KBTI
10$20,869$8.69$37,708$2,786.64$16.8KBTI

NIDB vs BTI: Complete Analysis 2026

NIDBStock

Northeast Indiana Bancorp, Inc. operates as the bank holding company for First Federal Savings Bank that provides various banking and financial advisory services. The company offers various personal products, including checking accounts, savings accounts, retirement accounts, health savings accounts, and direct deposits, as well as certificates of deposit. Its loan portfolio comprises mortgage loans, such as home purchases, refinances, new construction loans, and home equity/home improvement loans; installment loans consisting of auto loans, personal loans, short term notes, and savings account loans, as well as RV, ATV, and boat loans; and commercial loans, including lines of credit, letters of credit, equipment financing, and construction loans, as well as revolving line of credit, term loans, real estate loans, and small business administration loans. The company also offers debit and credit cards, safe deposit boxes, online banking services, merchant services, and cash management services, as well as treasury management and merchant deposit capture services. In addition, it provides various financial services to individual and corporate clients, including brokerage accounts, retail funds, and wealth management products, as well as insurance products and retirement plans. As of January 28, 2022, the company operated five full-service offices in Huntington; 2 offices in Warsaw; and 2 offices in Fort Wayne, Indiana. Northeast Indiana Bancorp, Inc. was incorporated in 1995 and is headquartered in Huntington, Indiana.

Full NIDB 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.