HomeComparePCLB vs BTI

PCLB vs BTI: Dividend Comparison 2026

PCLB yields 2.88% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PCLB wins by $64.5K in total portfolio value· pulled ahead in Year 4
10 years
PCLB
PCLB
● Live price
2.88%
Share price
$37.50
Annual div
$1.08
5Y div CAGR
42.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$102.2K
Annual income
$33,690.88
Full PCLB 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 — PCLB vs BTI

📍 PCLB pulled ahead of the other in Year 4

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 PeriodPCLBBTI
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, PCLB + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PCLB
Annual income on $10K today (after 15% tax)
$244.80/yr
After 10yr DRIP, annual income (after tax)
$28,637.25/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, PCLB beats the other by $26,268.60/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PCLB: 50%BTI: 50%
100% BTI50/50100% PCLB
Portfolio after 10yr
$70.0K
Annual income
$18,238.76/yr
Blended yield
26.06%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PCLB
No analyst data
Altman Z
0.1
Piotroski
6/9
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)

PCLB buys
0
BTI buys
0
No recent congressional trades found for PCLB or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPCLBBTI
Forward yield2.88%5.38%
Annual dividend / share$1.08$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR42.1%11.3%
Portfolio after 10y$102.2K$37.7K
Annual income after 10y$33,690.88$2,786.64
Total dividends collected$74.8K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearPCLB PortfolioPCLB Income/yrBTI PortfolioBTI Income/yrGap
1$11,109$409.25$11,299$598.92$190.00BTI
2$12,491$603.78$12,794$703.91$303.00BTI
3$14,267$901.56$14,518$829.07$251.00BTI
4← crossover$16,633$1,367.53$16,513$978.64+$120.00PCLB
5$19,914$2,117.35$18,827$1,157.84+$1.1KPCLB
6$24,675$3,366.71$21,518$1,373.12+$3.2KPCLB
7$31,942$5,539.98$24,657$1,632.46+$7.3KPCLB
8$43,702$9,524.14$28,329$1,945.74+$15.4KPCLB
9$64,067$17,305.14$32,637$2,325.33+$31.4KPCLB
10$102,242$33,690.88$37,708$2,786.64+$64.5KPCLB

PCLB vs BTI: Complete Analysis 2026

PCLBStock

Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services. The company provides checking accounts, savings accounts, and demand and time deposits. It also offers personal lending for automobile, boat, jet ski, motor home, travel trailers, manufactured home, tractor, ATV, personal line of credit, and others; mortgage products, such as residential purchase and refinance, investment property, consumer construction, consumer 2nd mortgage, veterans administration loans, federal housing administration loans, land loans, home equity line of credit, and home improvement/renovation; commercial lending products, including purchase, construction, and refinance of residential rental property and commercial real estate, as well as residential rental property improvements, land acquisition, investment, and development; commercial construction; and SBA lending. In addition, the company provides digital banking, card, cash management, and merchant services. It operates seven offices in the central and northwest Alabama. Pinnacle Bancshares, Inc. was incorporated in 1996 and is based in Jasper, Alabama.

Full PCLB 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.