Is OFSI or BTI a better dividend investment in 2026?

OFSI currently yields 434782.61% with a 5% 5-year dividend growth rate. BTI yields 5.40% with 5% growth. The better choice depends on your goal: OFSI offers higher current income.

What is the dividend yield difference between OFSI and BTI?

OFSI has a forward dividend yield of 434782.61% ($2.00/share annually). BTI yields 5.40% ($3.15/share annually). The yield gap is 434777.21 percentage points.

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OFSI vs BTI: Dividend Comparison 2026

OFSI yields 434782.61% · BTI yields 5.40%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 OFSI wins by $1.1532622696032997e+33M in total portfolio value

INVESTMENT

TIME HORIZON10 years

OFSI

● Live price

434782.61%

Share price

$0.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$1.1532622696032997e+33M

Annual income

$1,152,740,718,045,635,400,000,000,000,000,000,000,000.00

Full OFSI calculator →

BTI

● Live price

5.40%

Share price

$58.26

Annual div

$3.15

5Y div CAGR

11.3%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$37.8K

Annual income

$2,802.29

Full BTI calculator →

Portfolio growth — OFSI vs BTI

📍 OFSI 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 Period	OFSI	BTI
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, OFSI + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

OFSI pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

OFSI

Annual income on $10K today (after 15% tax)

$36,956,521.74/yr

After 10yr DRIP, annual income (after tax)

$979,829,610,338,790,000,000,000,000,000,000,000,000.00/yr

BTI

Annual income on $10K today (after 15% tax)

$459.05/yr

After 10yr DRIP, annual income (after tax)

$2,381.95/yr

At 15% tax rate, OFSI beats the other by $979,829,610,338,790,000,000,000,000,000,000,000,000.00/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 OFSI + BTI for your $10,000?

OFSI: 50%BTI: 50%

100% BTI50/50100% OFSI

Portfolio after 10yr

$5.766311348016499e+32M

Annual income

$576,370,359,022,817,700,000,000,000,000,000,000,000.00/yr

Blended yield

99.95%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

OFSI

No analyst data

Altman Z

0.1

Piotroski

4/9

BTI

Analyst Ratings

Buy

Hold

Sell

Consensus: Buy

Price Target

$40.00

-31.3% 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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

OFSI buys

BTI buys

No recent congressional trades found for OFSI or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricOFSIBTI

Forward yield	434782.61% ✓	5.40%
Annual dividend / share	$2.00	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	11.3% ✓
Portfolio after 10y	$1.1532622696032997e+33M	$37.8K ✓
Annual income after 10y	$1,152,740,718,045,635,400,000,000,000,000,000,000,000.00 ✓	$2,802.29
Total dividends collected	$1.1532281359249451e+33M	$14.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	OFSI Portfolio	OFSI Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$43,488,961	$43,478,260.87	$11,301	$601.08	+$43.48M → OFSI
2	$176,759,092,593	$176,712,559,404.98	$12,799	$706.58	+$176759.08M → OFSI
3	$671,442,336,773,648	$671,253,204,544,573.60	$14,527	$832.38	+$671442336.76M → OFSI
4	$2,383,748,677,921,919,000	$2,383,030,234,621,571,000.00	$16,527	$982.75	+$2383748677921.90M → OFSI
5	$7,909,291,711,569,071,000,000	$7,906,741,100,483,695,000,000.00	$18,846	$1,162.95	+$7909291711569071.00M → OFSI
6	$24,526,791,984,972,580,000,000,000	$24,518,329,042,841,200,000,000,000.00	$21,545	$1,379.49	+$24526791984972582912.00M → OFSI
7	$71,083,796,338,518,020,000,000,000,000	$71,057,552,671,094,100,000,000,000,000.00	$24,694	$1,640.41	+$7.108379633851802e+22M → OFSI
8	$192,543,084,975,077,580,000,000,000,000,000	$192,467,025,312,995,360,000,000,000,000,000.00	$28,378	$1,955.69	+$1.9254308497507757e+26M → OFSI
9	$487,431,362,303,249,300,000,000,000,000,000,000	$487,225,341,202,325,960,000,000,000,000,000,000.00	$32,702	$2,337.79	+$4.874313623032493e+29M → OFSI
10	$1,153,262,269,603,299,700,000,000,000,000,000,000,000	$1,152,740,718,045,635,400,000,000,000,000,000,000,000.00	$37,794	$2,802.29	+$1.1532622696032997e+33M → OFSI

OFSI vs BTI: Complete Analysis 2026

OFSI — Stock

OMNI Financial Services, Inc. provides various financial products and services to individuals, professionals, and business owners. The company offers deferred annuities, fixed annuities, and immediate annuities; and group medical, key employee, survivor life, disability, fixed life, long term care, and term life insurance products. It also provides college funding, retirement, and estate planning services. The company was founded in 1976 and is headquartered in Fort Myers, Florida.

Full OFSI Calculator →

BTI — Consumer 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.