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PONT vs BTI: Dividend Comparison 2026

PONT yields 1.66% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 PONT wins by $29.16M in total portfolio value· pulled ahead in Year 3
10 years
PONT
PONT
● Live price
1.66%
Share price
$800.00
Annual div
$13.25
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$29.20M
Annual income
$26,162,147.01
Full PONT calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — PONT vs BTI

📍 PONT pulled ahead of the other in Year 3

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 PeriodPONTBTI
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, PONT + BTI cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

PONT
Annual income on $10K today (after 15% tax)
$140.78/yr
After 10yr DRIP, annual income (after tax)
$22,237,824.96/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, PONT beats the other by $22,235,443.01/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PONT: 50%BTI: 50%
100% BTI50/50100% PONT
Portfolio after 10yr
$14.62M
Annual income
$13,082,474.65/yr
Blended yield
89.50%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PONT
No analyst data
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% 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)

PONT buys
0
BTI buys
0
No recent congressional trades found for PONT or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPONTBTI
Forward yield1.66%5.40% ✓
Annual dividend / share$13.25 ✓$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓11.3%
Portfolio after 10y$29.20M$37.8K ✓
Annual income after 10y$26,162,147.01 ✓$2,802.29
Total dividends collected$28.94M ✓$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearPONT PortfolioPONT Income/yrBTI PortfolioBTI Income/yrGap
1$11,031$331.25$11,301$601.08$270.00 → BTI
2$12,486$683.01$12,799$706.58$313.00 → BTI
3← crossover$14,806$1,445.06$14,527$832.38+$279.00 → PONT
4$19,045$3,202.72$16,527$982.75+$2.5K → PONT
5$28,078$7,700.42$18,846$1,162.95+$9.2K → PONT
6$51,264$21,220.55$21,545$1,379.49+$29.7K → PONT
7$127,271$72,418.21$24,694$1,640.41+$102.6K → PONT
8$472,234$336,053.71$28,378$1,955.69+$443.9K → PONT
9$2,835,969$2,330,679.38$32,702$2,337.79+$2.80M → PONT
10$29,196,634$26,162,147.01$37,794$2,802.29+$29.16M → PONT

PONT vs BTI: Complete Analysis 2026

PONT — Stock

Pontiac Bancorp, Inc. provides various financial services to individuals and businesses in Livingston county, Grundy county, Tazewell County, McLean County, and their surrounding communities. The company accepts various deposit products, such as checking, savings, and money market accounts; and certificates of deposit. It also offers online banking and bill pay, mobile banking, debit/ATM card, personal credit cards, telebank, and convenient services; deposit rates, and personal solutions. It also provides business money market, loans, commercial loan, and business solutions. In addition, the company offers consumer loan, loan insurance, and payment protection plans, as well as agriculture, equipment, livestock, agriculture real estate, and guaranteed loans; crop insurance, and trust services. The company was founded in 1947 and is based in Pontiac, Illinois.

Full PONT Calculator →

BTI — Consumer 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.