HomeComparePWOD vs BTI

PWOD vs BTI: Dividend Comparison 2026

PWOD yields 4.27% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $10.7K in total portfolio value
10 years
PWOD
PWOD
● Live price
4.27%
Share price
$30.00
Annual div
$1.28
5Y div CAGR
1.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$27.0K
Annual income
$663.60
Full PWOD 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 — PWOD vs BTI

📍 BTI pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodPWODBTI
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, PWOD + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

PWOD
Annual income on $10K today (after 15% tax)
$362.67/yr
After 10yr DRIP, annual income (after tax)
$564.06/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, BTI beats the other by $1,804.58/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

PWOD: 50%BTI: 50%
100% BTI50/50100% PWOD
Portfolio after 10yr
$32.4K
Annual income
$1,725.12/yr
Blended yield
5.33%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

PWOD
No analyst data
Altman Z
-0.7
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)

PWOD buys
0
BTI buys
0
No recent congressional trades found for PWOD or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPWODBTI
Forward yield4.27%5.38%
Annual dividend / share$1.28$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR1.5%11.3%
Portfolio after 10y$27.0K$37.7K
Annual income after 10y$663.60$2,786.64
Total dividends collected$5.5K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearPWOD PortfolioPWOD Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,133$433.07$11,299$598.92$166.00BTI
2$12,370$457.35$12,794$703.91$424.00BTI
3$13,718$482.04$14,518$829.07$800.00BTI
4$15,185$507.09$16,513$978.64$1.3KBTI
5$16,780$532.47$18,827$1,157.84$2.0KBTI
6$18,513$558.17$21,518$1,373.12$3.0KBTI
7$20,393$584.16$24,657$1,632.46$4.3KBTI
8$22,431$610.40$28,329$1,945.74$5.9KBTI
9$24,638$636.89$32,637$2,325.33$8.0KBTI
10$27,027$663.60$37,708$2,786.64$10.7KBTI

PWOD vs BTI: Complete Analysis 2026

PWODStock

Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank and Luzerne Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations. It accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and certificates of deposit, as well as checking and individual retirement accounts. The company also offers loan products comprising residential, commercial, and construction real estate loans; agricultural loans for the purchase or improvement of real estate; commercial loans for the acquisition and improvement of real estate, purchase of equipment, and working capital purposes; letters of credit; consumer loans, such as construction and residential mortgages, home equity loans and lines, automobile financing, personal loans and lines of credit, and overdraft and check lines; and revolving credit loans with overdraft protection. In addition, it provides securities brokerage and financial planning services, which include the sale of life insurance products, annuities, and estate planning services; property and casualty, and auto insurance products; safe deposit services; ATM services; and Internet and telephone banking services. Further, the company engages in real estate transactions and investment activities. It operates through a network of twenty-seven offices located in Clinton, Lycoming, Centre, Montour, Union, Blair, and Luzerne Counties, Pennsylvania. The company was founded in 1907 and is headquartered in Williamsport, Pennsylvania.

Full PWOD 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 →
📬

Get this PWOD vs BTI comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

PWOD vs SCHDPWOD vs JEPIPWOD vs OPWOD vs KOPWOD vs MAIN

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.