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PFC vs BTI: Dividend Comparison 2026

PFC yields 4.42% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PFC wins by $1.54M in total portfolio value
10 years
PFC
PFC
● Live price
4.42%
Share price
$28.04
Annual div
$1.24
5Y div CAGR
57.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.58M
Annual income
$1,080,423.49
Full PFC 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 — PFC vs BTI

📍 PFC 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 PeriodPFCBTI
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, PFC + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PFC
Annual income on $10K today (after 15% tax)
$375.89/yr
After 10yr DRIP, annual income (after tax)
$918,359.97/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, PFC beats the other by $915,991.32/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PFC: 50%BTI: 50%
100% BTI50/50100% PFC
Portfolio after 10yr
$808.5K
Annual income
$541,605.06/yr
Blended yield
66.99%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PFC
Analyst Ratings
1
Buy
4
Hold
Consensus: Hold
Price Target
$22.00
-21.5% upside vs current
Range: $22.00 — $22.00
Altman Z
0.4
Piotroski
5/9
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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PFC buys
0
BTI buys
0
No recent congressional trades found for PFC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPFCBTI
Forward yield4.42%5.38%
Annual dividend / share$1.24$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR57.9%11.3%
Portfolio after 10y$1.58M$37.7K
Annual income after 10y$1,080,423.49$2,786.64
Total dividends collected$1.51M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$22.00$40.00

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

YearPFC PortfolioPFC Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,398$698.27$11,299$598.92+$99.00PFC
2$13,371$1,174.53$12,794$703.91+$577.00PFC
3$16,340$2,033.18$14,518$829.07+$1.8KPFC
4$21,150$3,666.64$16,513$978.64+$4.6KPFC
5$29,635$7,003.81$18,827$1,157.84+$10.8KPFC
6$46,191$14,481.58$21,518$1,373.12+$24.7KPFC
7$82,733$33,309.58$24,657$1,632.46+$58.1KPFC
8$176,568$88,043.15$28,329$1,945.74+$148.2KPFC
9$466,212$277,283.83$32,637$2,325.33+$433.6KPFC
10$1,579,270$1,080,423.49$37,708$2,786.64+$1.54MPFC

PFC vs BTI: Complete Analysis 2026

PFCStock

Premier Financial Corp., through its subsidiaries, provides various banking services. It offers various demand, checking, money market, and savings accounts, as well as certificates of deposits and certificates of deposit account registry service; and investment products. The company also provides residential and commercial real estate, commercial, construction, home improvement and home equity, and consumer loans. In addition, it invests in the U.S. treasury and federal government agency obligations, obligations of states and political subdivisions, mortgage-backed securities that are issued by federal agencies, collateralized mortgage obligations, and corporate bonds. Further, the company offers property and casualty, life, and group health insurance agency services; mezzanine funding services; and online banking services, which include mobile banking, person-to-person payments, online bill pay, and online account opening, as well as the MoneyPass ATM network. It operates through 75 banking center offices and 12 loan offices in Ohio, Michigan, Indiana, Pennsylvania, and West Virginia. The company was formerly known as First Defiance Financial Corp. and changed its name to Premier Financial Corp. in June 2020. Premier Financial Corp. was founded in 1920 and is headquartered in Defiance, Ohio.

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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.