HomeComparePNM vs BTI

PNM vs BTI: Dividend Comparison 2026

PNM yields 3.71% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PNM wins by $191.5K in total portfolio value· pulled ahead in Year 2
10 years
PNM
PNM
● Live price
3.71%
Share price
$41.77
Annual div
$1.55
5Y div CAGR
46.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$229.2K
Annual income
$104,731.42
Full PNM 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 — PNM vs BTI

📍 PNM pulled ahead of the other in Year 2

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 PeriodPNMBTI
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, PNM + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PNM
Annual income on $10K today (after 15% tax)
$315.42/yr
After 10yr DRIP, annual income (after tax)
$89,021.71/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, PNM beats the other by $86,653.06/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PNM: 50%BTI: 50%
100% BTI50/50100% PNM
Portfolio after 10yr
$133.4K
Annual income
$53,759.03/yr
Blended yield
40.29%
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Analyst Conviction Gap

Where Wall Street is split right now

PNM
Analyst Ratings
10
Buy
10
Hold
Consensus: Buy
Price Target
$44.50
+6.5% upside vs current
Range: $38.00 — $51.00
Altman Z
3.0
Piotroski
3/9
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)

PNM buys
0
BTI buys
0
No recent congressional trades found for PNM or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPNMBTI
Forward yield3.71%5.38%
Annual dividend / share$1.55$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR46.2%11.3%
Portfolio after 10y$229.2K$37.7K
Annual income after 10y$104,731.42$2,786.64
Total dividends collected$194.8K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy
Analyst price target$44.50$40.00

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

YearPNM PortfolioPNM Income/yrBTI PortfolioBTI Income/yrGap
1$11,243$542.52$11,299$598.92$56.00BTI
2← crossover$12,863$833.38$12,794$703.91+$69.00PNM
3$15,066$1,302.81$14,518$829.07+$548.00PNM
4$18,206$2,085.00$16,513$978.64+$1.7KPNM
5$22,923$3,442.52$18,827$1,157.84+$4.1KPNM
6$30,450$5,922.39$21,518$1,373.12+$8.9KPNM
7$43,330$10,749.24$24,657$1,632.46+$18.7KPNM
8$67,264$20,900.25$28,329$1,945.74+$38.9KPNM
9$116,303$44,330.63$32,637$2,325.33+$83.7KPNM
10$229,175$104,731.42$37,708$2,786.64+$191.5KPNM

PNM vs BTI: Complete Analysis 2026

PNMStock

PNM Resources, Inc., through its subsidiaries, provides electricity and electric services in the United States. It operates through Public Service Company of New Mexico (PNM) and Texas-New Mexico Power Company (TNMP) segments. The PNM segment engages in the generation, transmission, and distribution of electricity. The segment generates electricity using coal, natural gas and oil, nuclear fuel, solar, wind, and geothermal energy sources. As of December 31, 2021, this segment had owned or leased facilities with a total net generation capacity of 2,168 megawatts; and owned 3,426 miles of electric transmission lines, 5,751 miles of distribution overhead lines, 5,765 miles of underground distribution lines, and 250 substations. The segment also owns and leases communication, office and other equipment, office space, vehicles, and real estate. The TNMP segment provides regulated transmission and distribution services. As of December 31, 2021, the segment owned 983 miles of overhead electric transmission lines, 7,297 miles of overhead distribution lines, 1,408 miles of underground distribution lines, and 113 substations. The segment also owns and leases vehicles, service facilities, and office locations throughout its service territory. The company serves approximately 806,000 residential, commercial, and industrial customers and end-users of electricity in New Mexico and Texas. PNM Resources, Inc. was incorporated in 1882 and is headquartered in Albuquerque, New Mexico.

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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.

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.