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PTRS vs BTI: Dividend Comparison 2026

PTRS yields 2.24% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PTRS wins by $50.1K in total portfolio value· pulled ahead in Year 6
10 years
PTRS
PTRS
● Live price
2.24%
Share price
$7.15
Annual div
$0.16
5Y div CAGR
44.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$87.8K
Annual income
$27,836.84
Full PTRS 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 — PTRS vs BTI

📍 PTRS pulled ahead of the other in Year 6

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 PeriodPTRSBTI
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, PTRS + BTI cover 0 of 12 monthsgood coverage

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

PTRS
Annual income on $10K today (after 15% tax)
$190.21/yr
After 10yr DRIP, annual income (after tax)
$23,661.31/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, PTRS beats the other by $21,292.67/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 PTRS + BTI for your $10,000?

PTRS: 50%BTI: 50%
100% BTI50/50100% PTRS
Portfolio after 10yr
$62.8K
Annual income
$15,311.74/yr
Blended yield
24.40%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PTRS
No analyst data
Altman Z
0.3
Piotroski
6/9
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)

PTRS buys
0
BTI buys
0
No recent congressional trades found for PTRS or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPTRSBTI
Forward yield2.24%5.38%
Annual dividend / share$0.16$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR44.9%11.3%
Portfolio after 10y$87.8K$37.7K
Annual income after 10y$27,836.84$2,786.64
Total dividends collected$61.8K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearPTRS PortfolioPTRS Income/yrBTI PortfolioBTI Income/yrGap
1$11,024$324.25$11,299$598.92$275.00BTI
2$12,280$484.08$12,794$703.91$514.00BTI
3$13,870$730.22$14,518$829.07$648.00BTI
4$15,958$1,116.88$16,513$978.64$555.00BTI
5$18,815$1,740.16$18,827$1,157.84$12.00BTI
6← crossover$22,910$2,778.47$21,518$1,373.12+$1.4KPTRS
7$29,096$4,581.64$24,657$1,632.46+$4.4KPTRS
8$39,012$7,879.58$28,329$1,945.74+$10.7KPTRS
9$56,050$14,307.27$32,637$2,325.33+$23.4KPTRS
10$87,810$27,836.84$37,708$2,786.64+$50.1KPTRS

PTRS vs BTI: Complete Analysis 2026

PTRSStock

Partners Bancorp operates as the holding company for the Bank of Delmarva that provides financial services to individual and corporate customers in the United States. It offers checking, money market, NOW, IRA, savings, cash management, and time deposit accounts, as well as remote deposit capture and mobile deposit services. The company also provides commercial real estate, small business administration, term, purchase and refinance mortgage, bridge, equipment, home equity, agriculture, car, unsecured consumer, construction/permanent mortgage, and lot loans, as well as mobile home, boat, RV, and motorcycle loans; lines of credit; and business credit cards. In addition, it offers online bill payment, automated teller machine/debit card, merchant, transfer, cash advance and management, sweep, cash concentration, payroll direct deposit, and ACH origination services, as well as phone, mobile, and internet banking services. The company operates through 15 branches. The company was formerly known as Delmar Bancorp and changed its name to Partners Bancorp in August 2020. Partners Bancorp was founded in 1896 and is based in Salisbury, Maryland.

Full PTRS Calculator →

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.