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PSBC vs MO: Dividend Comparison 2026

PSBC yields 1000000.00% · MO yields 9.11%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PSBC wins by $4.7683925249533696e+36M in total portfolio value
10 years
PSBC
PSBC
● Live price
1000000.00%
Share price
$0.00
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.7683925249533696e+36M
Annual income
$4,767,454,694,456,067,000,000,000,000,000,000,000,000,000.00
Full PSBC calculator →
MO
Altria Group Inc.
● Live price
9.11%
Share price
$44.80
Annual div
$4.08
5Y div CAGR
4.3%
Payout ratio
78%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.7K
Annual income
$4,052.72
Full MO calculator →

Portfolio growth — PSBC vs MO

📍 PSBC 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 PeriodPSBCMO
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, PSBC + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PSBC
Annual income on $10K today (after 15% tax)
$85,000,000.00/yr
After 10yr DRIP, annual income (after tax)
$4,052,336,490,287,657,000,000,000,000,000,000,000,000,000.00/yr
MO
Annual income on $10K today (after 15% tax)
$774.11/yr
After 10yr DRIP, annual income (after tax)
$3,444.81/yr
At 15% tax rate, PSBC beats the other by $4,052,336,490,287,657,000,000,000,000,000,000,000,000,000.00/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 PSBC + MO for your $10,000?

PSBC: 50%MO: 50%
100% MO50/50100% PSBC
Portfolio after 10yr
$2.3841962624766848e+36M
Annual income
$2,383,727,347,228,033,600,000,000,000,000,000,000,000,000.00/yr
Blended yield
99.98%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

PSBC
No analyst data
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
+36.7% upside vs current
Range: $47.00 — $68.00
Altman Z
3.2
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)

PSBC buys
0
MO buys
11
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$MO▲ Buy$1,000 - $15,0002025-08-04
Sheri Biggs🏢 House$MO▼ Sell$1,001 - $15,0002025-03-19
Pete Sessions🏢 House$MO▼ Sell$1,001 - $15,0002024-09-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-03-20
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-02-13
Virginia Foxx🏢 House$MO▼ Sell$1,001 - $15,0002024-01-16
Virginia Foxx🏢 House$MO▲ Buy$1,001 - $15,0002024-01-11
Ro Khanna🏢 House$MO▼ Sell$1,001 - $15,0002024-01-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-01-10
Virginia Foxx🏢 House$MO▼ Sell$15,001 - $50,0002024-01-10
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPSBCMO
Forward yield1000000.00%9.11%
Annual dividend / share$2.00$4.08
Payout ratio50%78%
1-year div growth0%4.1%
5-year div CAGR0%4.3%
Portfolio after 10y$4.7683925249533696e+36M$27.7K
Annual income after 10y$4,767,454,694,456,067,000,000,000,000,000,000,000,000,000.00$4,052.72
Total dividends collected$4.7683311610149396e+36M$20.9K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: PSBC vs MO ($10,000, DRIP)

YearPSBC PortfolioPSBC Income/yrMO PortfolioMO Income/yrGap
1← crossover$100,010,700$100,000,000.00$10,740$949.88+$100.00MPSBC
2$934,786,450,701$934,679,439,252.34$11,601$1,086.84+$934786.44MPSBC
3$8,165,787,108,578,292$8,164,786,887,076,042.00$12,608$1,250.75+$8165787108.57MPSBC
4$66,665,884,190,957,650,000$66,657,146,798,751,470,000.00$13,792$1,448.20+$66665884190957.63MPSBC
5$508,662,171,058,048,100,000,000$508,590,838,561,963,700,000,000.00$15,190$1,687.69+$508662171058048128.00MPSBC
6$3,627,235,248,428,489,700,000,000,000$3,626,690,979,905,457,600,000,000,000.00$16,851$1,980.28+$3.62723524842849e+21MPSBC
7$24,173,681,159,150,610,000,000,000,000,000$24,169,800,017,434,790,000,000,000,000,000.00$18,838$2,340.48+$2.417368115915061e+25MPSBC
8$150,567,402,861,454,640,000,000,000,000,000,000$150,541,537,022,614,370,000,000,000,000,000,000.00$21,230$2,787.44+$1.5056740286145463e+29MPSBC
9$876,477,100,281,847,600,000,000,000,000,000,000,000$876,315,993,160,785,800,000,000,000,000,000,000,000.00$24,130$3,346.72+$8.764771002818475e+32MPSBC
10$4,768,392,524,953,369,600,000,000,000,000,000,000,000,000$4,767,454,694,456,067,000,000,000,000,000,000,000,000,000.00$27,676$4,052.72+$4.7683925249533696e+36MPSBC

PSBC vs MO: Complete Analysis 2026

PSBCStock

Pacific State Bancorp operates as the holding company for Pacific State Bank that provides commercial banking services to small and middle-market businesses and individuals in California. It offers various deposit products, including checking and savings accounts, individual retirement accounts, time deposits, and certificates of deposit. The company also provides loan products, such as commercial, construction, agricultural, and real estate loans, as well as personal credit lines. In addition, it offers the U.S. Savings bond services, domestic and foreign drafts, banking by appointment, automatic transfer of funds, business courier services, domestic letters of credit, a depository for MasterCard and Visa drafts, federal depository services, cash management assistance services, wire and telephone transfers, and courier services for non-cash deposits. Further, the company provides Visa and MasterCard cards; revolving lines of credit to consumers secured by deeds of trust on private residences; unsecured overdraft protection credit lines attached to checking accounts; and ATM cards and MasterMoney debit cards. The company was founded in 2002 and is based in Stockton, California with administrative office located in Stockton, California; and additional branches located in the communities of Angels Camp, Arnold, Groveland, Lodi, Modesto, Stockton, Tracy, and Hayward, California.

Full PSBC Calculator →

MOConsumer Staples

Altria is a Dividend King with 54+ consecutive years of dividend increases — one of the longest streaks in American corporate history. While cigarette volumes decline, pricing power and new product categories (oral nicotine pouches via NJOY) support cash flows. The near-9% yield is among the highest in the S&P 500.

Full MO 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.