Is RCC or BTI a better dividend investment in 2026?

RCC currently yields 5.74% with a 5% 5-year dividend growth rate. BTI yields 5.40% with 5% growth. The better choice depends on your goal: RCC offers higher current income.

What is the dividend yield difference between RCC and BTI?

RCC has a forward dividend yield of 5.74% ($1.44/share annually). BTI yields 5.40% ($3.15/share annually). The yield gap is 0.34 percentage points.

Home › Compare › RCC vs BTI

RCC vs BTI: Dividend Comparison 2026

RCC yields 5.74% · BTI yields 5.40%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 BTI wins by $16.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

RCC

● Live price

5.74%

Share price

$25.04

Annual div

$1.44

5Y div CAGR

-34.9%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$21.5K

Annual income

$8.56

Full RCC calculator →

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 — RCC 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 Period	RCC	BTI
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, RCC + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

RCC pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

RCC

Annual income on $10K today (after 15% tax)

$487.98/yr

After 10yr DRIP, annual income (after tax)

$7.28/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, BTI beats the other by $2,374.67/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

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

RCC: 50%BTI: 50%

100% BTI50/50100% RCC

Portfolio after 10yr

$29.6K

Annual income

$1,405.42/yr

Blended yield

4.74%

📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

RCC

No analyst data

Altman Z

0.0

Piotroski

4/9

BTI

Analyst Ratings

Buy

Hold

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)

RCC buys

BTI buys

No recent congressional trades found for RCC or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricRCCBTI

Forward yield	5.74% ✓	5.40%
Annual dividend / share	$1.44	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	-34.9%	11.3% ✓
Portfolio after 10y	$21.5K	$37.8K ✓
Annual income after 10y	$8.56	$2,802.29 ✓
Total dividends collected	$1.1K	$14.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples

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

Year	RCC Portfolio	RCC Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$11,074	$373.74	$11,301	$601.08	$227.00 → BTI
2	$12,101	$251.80	$12,799	$706.58	$698.00 → BTI
3	$13,115	$167.41	$14,527	$832.38	$1.4K → BTI
4	$14,144	$110.39	$16,527	$982.75	$2.4K → BTI
5	$15,206	$72.43	$18,846	$1,162.95	$3.6K → BTI
6	$16,318	$47.38	$21,545	$1,379.49	$5.2K → BTI
7	$17,491	$30.93	$24,694	$1,640.41	$7.2K → BTI
8	$18,736	$20.17	$28,378	$1,955.69	$9.6K → BTI
9	$20,060	$13.15	$32,702	$2,337.79	$12.6K → BTI
10	$21,473	$8.56	$37,794	$2,802.29	$16.3K → BTI

RCC vs BTI: Complete Analysis 2026

RCC — Stock

Ready Capital Corp. is a real estate finance company, which engages in acquiring, managing, and financing small balance commercial loans. It operates through the following segments: SBC Lending and Acquisitions, Small Business Lending, and Residential Mortgage Banking. The SBC Lending and Acquisitions segment is involved in the SBC loans across the full life-cycle of an SBC property including construction, bridge, stabilized, and agency loan origination channels through wholly-owned subsidiary, ReadyCap Commercial, LLC. The Small Business Lending segment acquires, originates, and services owner-occupied loans guaranteed by the SBA under its SBA Section 7(a) Program through wholly-owned subsidiary, ReadyCap Lending, LLC. The Residential Mortgage Banking segment focuses on the residential mortgage loan origination segment through wholly-owned subsidiary, GMFS, LLC. The company was founded in November 2011 and is headquartered in New York, NY.

Full RCC 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.