HomeComparePNBI vs BTI

PNBI vs BTI: Dividend Comparison 2026

PNBI yields 3.21% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $17.5K in total portfolio value
10 years
PNBI
PNBI
● Live price
3.21%
Share price
$33.98
Annual div
$1.09
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.2K
Annual income
$0.32
Full PNBI 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 — PNBI 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 PeriodPNBIBTI
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, PNBI + BTI cover 0 of 12 monthsgood coverage

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

PNBI
Annual income on $10K today (after 15% tax)
$272.66/yr
After 10yr DRIP, annual income (after tax)
$0.27/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 $2,368.37/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 PNBI + BTI for your $10,000?

PNBI: 50%BTI: 50%
100% BTI50/50100% PNBI
Portfolio after 10yr
$29.0K
Annual income
$1,393.48/yr
Blended yield
4.81%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PNBI
No analyst data
Altman Z
0.0
Piotroski
4/9
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)

PNBI buys
0
BTI buys
0
No recent congressional trades found for PNBI or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPNBIBTI
Forward yield3.21%5.38%
Annual dividend / share$1.09$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%11.3%
Portfolio after 10y$20.2K$37.7K
Annual income after 10y$0.32$2,786.64
Total dividends collected$324.00$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearPNBI PortfolioPNBI Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,860$160.39$11,299$598.92$439.00BTI
2$11,702$81.40$12,794$703.91$1.1KBTI
3$12,562$40.98$14,518$829.07$2.0KBTI
4$13,462$20.56$16,513$978.64$3.1KBTI
5$14,415$10.30$18,827$1,157.84$4.4KBTI
6$15,429$5.15$21,518$1,373.12$6.1KBTI
7$16,511$2.58$24,657$1,632.46$8.1KBTI
8$17,669$1.29$28,329$1,945.74$10.7KBTI
9$18,906$0.64$32,637$2,325.33$13.7KBTI
10$20,230$0.32$37,708$2,786.64$17.5KBTI

PNBI vs BTI: Complete Analysis 2026

PNBIStock

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services to individual consumers, small to medium size businesses, and professional community in Virginia. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise personal installment and single-pay, and auto loans; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction, as well as home mortgage and home equity loans. The company also provides credit and debit cards, safe deposit boxes, online and mobile banking, remote deposit capture, and cash management services. In addition, it offers investment products, such as individual retirement accounts, 529 college savings plans, small business investment strategies, fixed and variable annuities, and personalized investment advisory services, as well as securities and insurance products and services. It operates branch offices in Shenandoah, Luray, Harrisonburg, Stanardsville, Ruckersville, and Charlottesville. The company was founded in 1909 and is headquartered in Stanley, Virginia.

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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.