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PBAM vs BTI: Dividend Comparison 2026

PBAM yields 2.94% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $13.7K in total portfolio value
10 years
PBAM
PBAM
● Live price
2.94%
Share price
$67.99
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$24.1K
Annual income
$355.57
Full PBAM 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 — PBAM 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 PeriodPBAMBTI
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, PBAM + BTI cover 0 of 12 monthsgood coverage

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

PBAM
Annual income on $10K today (after 15% tax)
$250.04/yr
After 10yr DRIP, annual income (after tax)
$302.23/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 $2,079.71/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 PBAM + BTI for your $10,000?

PBAM: 50%BTI: 50%
100% BTI50/50100% PBAM
Portfolio after 10yr
$31.0K
Annual income
$1,578.92/yr
Blended yield
5.10%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PBAM
Analyst Ratings
3
Buy
1
Hold
Consensus: Buy
Price Target
$76.00
+11.8% upside vs current
Range: $75.00 — $77.00
Altman Z
-0.5
Piotroski
4/9
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PBAM buys
0
BTI buys
0
No recent congressional trades found for PBAM or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPBAMBTI
Forward yield2.94%5.40%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$24.1K$37.8K
Annual income after 10y$355.57$2,802.29
Total dividends collected$3.3K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy
Analyst price target$76.00$40.00

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

YearPBAM PortfolioPBAM Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,994$294.16$11,301$601.08$307.00BTI
2$12,066$302.25$12,799$706.58$733.00BTI
3$13,221$310.01$14,527$832.38$1.3KBTI
4$14,464$317.46$16,527$982.75$2.1KBTI
5$15,801$324.58$18,846$1,162.95$3.0KBTI
6$17,238$331.39$21,545$1,379.49$4.3KBTI
7$18,783$337.89$24,694$1,640.41$5.9KBTI
8$20,441$344.07$28,378$1,955.69$7.9KBTI
9$22,222$349.97$32,702$2,337.79$10.5KBTI
10$24,133$355.57$37,794$2,802.29$13.7KBTI

PBAM vs BTI: Complete Analysis 2026

PBAMStock

Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California. The company's personal banking services include personal checking and savings, money market, certificate of deposit, and retirement accounts; personal credit lines and term loans; additional services, such as direct deposits, online banking, ATMs/debit cards, credit cards, savings/line of credit overdraft protection, and safe deposit boxes; and certificate of deposit account registry services. Its business banking services consist of business checking and savings accounts, sweep accounts; and business services comprising treasury management, merchant card, bill pay, positive pay, e-statement, remote deposit capture, wire transfer services, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault, and gift and business credit cards, as well as funds management services. The company also offers commercial real estate, small business administration, construction, and equipment and business expansion loans, as well as working capital lines of credit and letters of credit. The company has offices in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.

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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.