HomeCompareOTTW vs BTI

OTTW vs BTI: Dividend Comparison 2026

OTTW yields 3.09% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $17.1K in total portfolio value
10 years
OTTW
OTTW
● Live price
3.09%
Share price
$14.25
Annual div
$0.44
5Y div CAGR
-34.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.7K
Annual income
$5.01
Full OTTW calculator →
BTI
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 — OTTW 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 PeriodOTTWBTI
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, OTTW + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

OTTW
Annual income on $10K today (after 15% tax)
$262.46/yr
After 10yr DRIP, annual income (after tax)
$4.26/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, BTI beats the other by $2,377.69/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

OTTW: 50%BTI: 50%
100% BTI50/50100% OTTW
Portfolio after 10yr
$29.2K
Annual income
$1,403.64/yr
Blended yield
4.80%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

OTTW
No analyst data
Altman Z
0.2
Piotroski
5/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

OTTW buys
0
BTI buys
0
No recent congressional trades found for OTTW or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricOTTWBTI
Forward yield3.09%5.40%
Annual dividend / share$0.44$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-34.1%11.3%
Portfolio after 10y$20.7K$37.8K
Annual income after 10y$5.01$2,802.29
Total dividends collected$600.00$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearOTTW PortfolioOTTW Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,903$203.48$11,301$601.08$398.00BTI
2$11,803$136.64$12,799$706.58$996.00BTI
3$12,721$91.10$14,527$832.38$1.8KBTI
4$13,672$60.47$16,527$982.75$2.9KBTI
5$14,669$40.03$18,846$1,162.95$4.2KBTI
6$15,722$26.45$21,545$1,379.49$5.8KBTI
7$16,840$17.46$24,694$1,640.41$7.9KBTI
8$18,030$11.52$28,378$1,955.69$10.3KBTI
9$19,300$7.60$32,702$2,337.79$13.4KBTI
10$20,656$5.01$37,794$2,802.29$17.1KBTI

OTTW vs BTI: Complete Analysis 2026

OTTWStock

Ottawa Bancorp, Inc. operates as the holding company for Ottawa Savings Bank, a savings bank that provides various financial services to individual and corporate customers in Illinois. The company's deposit products include saving, checking, money market, and interest-bearing accounts, as well as certificate of deposit. Its loan portfolio comprises commercial, non-residential real estate, one-to-four family residential, multi-family residential, consumer direct, and purchased auto loans; motor vehicle, home improvement, share, and personal unsecured loans, as well as home equity and small personal credit lines; and student loans. The company also provides cash management solutions, such as remote deposit capture, automated clearing house/payroll direct deposit, and merchant services, as well as commercial leasing services. In addition, it offers notary, lamination, night depository, document faxing, money gift envelopes, gift and travel cards, and coin counting, as well as debit and credit cards, and digital banking services. The company was formerly known as Ottawa Savings Bancorp, Inc. and changed its name to Ottawa Bancorp, Inc. in October 2016. Ottawa Bancorp, Inc. was founded in 1871 and is based in Ottawa, Illinois.

Full OTTW 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.