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PBCTP vs BTI: Dividend Comparison 2026

PBCTP yields 29.03% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PBCTP wins by $229.0K in total portfolio value
10 years
PBCTP
PBCTP
● Live price
29.03%
Share price
$26.07
Annual div
$7.57
5Y div CAGR
7.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$266.7K
Annual income
$62,204.66
Full PBCTP 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 — PBCTP vs BTI

📍 PBCTP 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 PeriodPBCTPBTI
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, PBCTP + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PBCTP
Annual income on $10K today (after 15% tax)
$2,467.44/yr
After 10yr DRIP, annual income (after tax)
$52,873.96/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, PBCTP beats the other by $50,505.32/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 PBCTP + BTI for your $10,000?

PBCTP: 50%BTI: 50%
100% BTI50/50100% PBCTP
Portfolio after 10yr
$152.2K
Annual income
$32,495.65/yr
Blended yield
21.35%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PBCTP
Analyst Ratings
2
Buy
17
Hold
3
Sell
Consensus: Hold
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)

PBCTP buys
0
BTI buys
0
No recent congressional trades found for PBCTP or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPBCTPBTI
Forward yield29.03%5.38%
Annual dividend / share$7.57$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR7.5%11.3%
Portfolio after 10y$266.7K$37.7K
Annual income after 10y$62,204.66$2,786.64
Total dividends collected$210.9K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearPBCTP PortfolioPBCTP Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$13,821$3,120.58$11,299$598.92+$2.5KPBCTP
2$19,121$4,332.98$12,794$703.91+$6.3KPBCTP
3$26,482$6,022.77$14,518$829.07+$12.0KPBCTP
4$36,716$8,380.40$16,513$978.64+$20.2KPBCTP
5$50,960$11,673.33$18,827$1,157.84+$32.1KPBCTP
6$70,805$16,277.51$21,518$1,373.12+$49.3KPBCTP
7$98,483$22,721.95$24,657$1,632.46+$73.8KPBCTP
8$137,129$31,751.88$28,329$1,945.74+$108.8KPBCTP
9$191,146$44,418.24$32,637$2,325.33+$158.5KPBCTP
10$266,731$62,204.66$37,708$2,786.64+$229.0KPBCTP

PBCTP vs BTI: Complete Analysis 2026

PBCTPStock

People's United Financial, Inc. operates as the bank holding company for People's United Bank, National Association that provides commercial banking, retail banking, and wealth management services to individual, corporate, and municipal customers. The company offers commercial deposit products, commercial real estate lending, middle market and business banking, equipment financing, mortgage warehouse and asset-based lending, treasury management services, and capital market capabilities. It also provides consumer lending, including residential mortgage and home equity lending; and consumer deposit gathering services. In addition, the company offers brokerage, financial and investment advisory, investment management, life insurance, financial management and planning, and non-institutional trust services, as well as cash management, municipal banking, online banking, investment trading, and telephone banking services. As of March 04, 2022, it operated approximately 400 retail locations in Connecticut, New York, Massachusetts, Vermont, New Hampshire, and Maine. The company also operates 562 ATMs. People's United Financial, Inc. was founded in 1842 and is headquartered in Bridgeport, Connecticut. As of April 2, 2022, People's United Financial, Inc. operates as a subsidiary of M&T Bank Corporation.

Full PBCTP 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.