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PTBS vs MO: Dividend Comparison 2026

PTBS yields 2.63% · MO yields 6.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PTBS wins by $10.77M in total portfolio value
10 years
PTBS
PTBS
● Live price
2.63%
Share price
$19.75
Annual div
$0.52
5Y div CAGR
82.1%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$10.85M
Annual income
$9,142,667.08
Full PTBS calculator →
MO
Altria Group Inc.
● Live price
6.27%
Share price
$67.02
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$28,968.54
Full MO calculator →

Portfolio growth — PTBS vs MO

📍 PTBS 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 PeriodPTBSMO
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, PTBS + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PTBS
Annual income on $10K today (after 15% tax)
$223.80/yr
After 10yr DRIP, annual income (after tax)
$7,771,267.02/yr
MO
Annual income on $10K today (after 15% tax)
$532.68/yr
After 10yr DRIP, annual income (after tax)
$24,623.26/yr
At 15% tax rate, PTBS beats the other by $7,746,643.76/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PTBS + MO for your $10,000?

PTBS: 50%MO: 50%
100% MO50/50100% PTBS
Portfolio after 10yr
$5.46M
Annual income
$4,585,817.81/yr
Blended yield
83.96%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

PTBS
No analyst data
Altman Z
0.1
Piotroski
6/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-8.6% 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)

PTBS 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 →
MetricPTBSMO
Forward yield2.63%6.27%
Annual dividend / share$0.52$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR82.1%22.6%
Portfolio after 10y$10.85M$77.7K
Annual income after 10y$9,142,667.08$28,968.54
Total dividends collected$10.68M$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearPTBS PortfolioPTBS Income/yrMO PortfolioMO Income/yrGap
1← crossover$11,179$479.45$10,558$768.31+$621.00PTBS
2$12,874$912.21$11,352$1,015.87+$1.5KPTBS
3$15,563$1,787.80$12,482$1,367.86+$3.1KPTBS
4$20,331$3,678.10$14,103$1,883.39+$6.2KPTBS
5$29,931$8,177.19$16,472$2,664.91+$13.5KPTBS
6$52,514$20,488.00$20,024$3,897.79+$32.5KPTBS
7$117,366$61,175.93$25,537$5,933.74+$91.8KPTBS
8$358,269$232,687.15$34,478$9,476.77+$323.8KPTBS
9$1,592,176$1,208,828.66$49,776$16,022.63+$1.54MPTBS
10$10,846,296$9,142,667.08$77,699$28,968.54+$10.77MPTBS

PTBS vs MO: Complete Analysis 2026

PTBSStock

Potomac Bancshares, Inc. operates as the bank holding company for Bank of Charles Town that provides various banking products and services to individuals and businesses. The company offers checking, savings, and individual retirement accounts; and certificates of deposit (CD). It also provides personal loans, including new and used vehicle, home equity, unsecured home improvement and personal, retail equipment, and lot loans, as well as loans secured by CD, and home equity lines of credit; commercial loans for building or office purchases, commercial real estate and construction, and production and administrative equipment purchases; lines of credit; mortgage, term, residential and commercial construction, commercial real estate, and agricultural loans; and credit and debit cards. In addition, the company offers Card Pay, cash management, merchant, financial planning, trust and estate, investment management, wealth management, full-service brokerage, retirement and insurance planning and products, asset allocation and management, and college planning services, as well as telephone, mobile, and online banking services. It operates through nine full-service offices and one loan production office located in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. The company was founded in 1871 and is based in Charles Town, West Virginia.

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MOConsumer Staples

Altria Group, Inc., through its subsidiaries, manufactures and sells smokeable and oral tobacco products in the United States. The company provides cigarettes primarily under the Marlboro brand; cigars and pipe tobacco principally under the Black & Mild brand; and moist smokeless tobacco products under the Copenhagen, Skoal, Red Seal, and Husky brands, as well as provides on! oral nicotine pouches. It sells its tobacco products primarily to wholesalers, including distributors; and large retail organizations, such as chain stores. Altria Group, Inc. was founded in 1822 and is headquartered in Richmond, Virginia.

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.