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PBNK vs BTI: Dividend Comparison 2026

PBNK yields 12.31% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PBNK wins by $7.3K in total portfolio value
10 years
PBNK
PBNK
● Live price
12.31%
Share price
$16.25
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$45.0K
Annual income
$2,650.82
Full PBNK 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 — PBNK vs BTI

📍 PBNK 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 PeriodPBNKBTI
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%.
📅

Dividend Calendar Overlap

Combined, PBNK + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PBNK
Annual income on $10K today (after 15% tax)
$1,046.15/yr
After 10yr DRIP, annual income (after tax)
$2,253.20/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 $115.45/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PBNK: 50%BTI: 50%
100% BTI50/50100% PBNK
Portfolio after 10yr
$41.4K
Annual income
$2,718.73/yr
Blended yield
6.57%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PBNK
No analyst data
Altman Z
-0.6
Piotroski
2/9
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)

PBNK buys
0
BTI buys
0
No recent congressional trades found for PBNK or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPBNKBTI
Forward yield12.31%5.38%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$45.0K$37.7K
Annual income after 10y$2,650.82$2,786.64
Total dividends collected$19.2K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearPBNK PortfolioPBNK Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,931$1,230.77$11,299$598.92+$632.00PBNK
2$14,138$1,372.34$12,794$703.91+$1.3KPBNK
3$16,648$1,519.87$14,518$829.07+$2.1KPBNK
4$19,486$1,672.56$16,513$978.64+$3.0KPBNK
5$22,679$1,829.61$18,827$1,157.84+$3.9KPBNK
6$26,257$1,990.16$21,518$1,373.12+$4.7KPBNK
7$30,248$2,153.37$24,657$1,632.46+$5.6KPBNK
8$34,684$2,318.42$28,329$1,945.74+$6.4KPBNK
9$39,597$2,484.50$32,637$2,325.33+$7.0KPBNK
10$45,019$2,650.82$37,708$2,786.64+$7.3KPBNK

PBNK vs BTI: Complete Analysis 2026

PBNKStock

Pinnacle Bank, a commercial bank, provides various depository and credit services in Santa Clara, San Benito, and Monterey counties. The company offers checking, savings, money market, sweep, and individual retirement accounts, as well as certificates of deposit and certificates of deposit account registry services. It also provides home equity lines of credit and single family home construction loans; and loans and lines of credit, letters of credit, commercial real estate, and government assisted loans, as well as credit cards. In addition, the company offers automated teller machine cards/debit cards, debit card protection products, and safe deposit boxes; cash management products, such as online and mobile banking, online bill payment, mobile check deposit, automated clearing house (ACH) origination, remote deposit capture, night depository box, positive pay, ACH fraud filter, merchant card processing, wire transfer, and foreign currency services; and asset based lending covering accounts receivable financing, factoring, and purchase order financing services. It serves individual and business customers, as well as nonprofit organizations in Morgan Hill, Gilroy, Salinas, and Campbell. Pinnacle Bank was founded in 2005 and is headquartered in Gilroy, California.

Full PBNK 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.