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SBNYP vs MO: Dividend Comparison 2026

SBNYP yields 10.50% · MO yields 6.36%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 MO wins by $40.1K in total portfolio value· pulled ahead in Year 8
10 years
SBNYP
SBNYP
● Live price
10.50%
Share price
$11.90
Annual div
$1.25
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$40.0K
Annual income
$2,030.15
Full SBNYP calculator →
MO
Altria Group Inc.
● Live price
6.36%
Share price
$65.99
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$80.1K
Annual income
$30,159.17
Full MO calculator →

Portfolio growth — SBNYP vs MO

📍 MO pulled ahead of the other in Year 8

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 PeriodSBNYPMO
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, SBNYP + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SBNYP
Annual income on $10K today (after 15% tax)
$892.86/yr
After 10yr DRIP, annual income (after tax)
$1,725.63/yr
MO
Annual income on $10K today (after 15% tax)
$540.99/yr
After 10yr DRIP, annual income (after tax)
$25,635.29/yr
At 15% tax rate, MO beats the other by $23,909.67/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SBNYP: 50%MO: 50%
100% MO50/50100% SBNYP
Portfolio after 10yr
$60.1K
Annual income
$16,094.66/yr
Blended yield
26.79%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

SBNYP
Analyst Ratings
1
Buy
2
Hold
Consensus: Hold
Altman Z
0.5
Piotroski
4/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-7.2% 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)

SBNYP buys
0
MO buys
0
No recent congressional trades found for SBNYP or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSBNYPMO
Forward yield10.50%6.36%
Annual dividend / share$1.25$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%22.6%
Portfolio after 10y$40.0K$80.1K
Annual income after 10y$2,030.15$30,159.17
Total dividends collected$15.4K$74.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearSBNYP PortfolioSBNYP Income/yrMO PortfolioMO Income/yrGap
1$11,750$1,050.42$10,570$780.30+$1.2KSBNYP
2$13,726$1,153.54$11,381$1,032.90+$2.3KSBNYP
3$15,947$1,259.37$12,535$1,392.73+$3.4KSBNYP
4$18,430$1,367.36$14,193$1,920.91+$4.2KSBNYP
5$21,197$1,476.94$16,618$2,723.68+$4.6KSBNYP
6$24,269$1,587.55$20,263$3,993.80+$4.0KSBNYP
7$27,666$1,698.67$25,936$6,098.36+$1.7KSBNYP
8← crossover$31,413$1,809.79$35,166$9,775.01$3.8KMO
9$35,532$1,920.43$51,026$16,597.78$15.5KMO
10$40,049$2,030.15$80,113$30,159.17$40.1KMO

SBNYP vs MO: Complete Analysis 2026

SBNYPStock

Signature Bank provides commercial banking products and services. It accepts various deposit products, including checking accounts, money market accounts, escrow deposit accounts, cash concentration accounts, certificates of deposit, and other cash management products. The company provides various lending products comprising commercial and industrial loans, real estate loans, and letters of credit. In addition, it offers asset management and investment products; and retirement products, such as individual retirement accounts and administrative services for retirement vehicles. Further, the company provides wealth management services to its high net worth personal clients; and purchases, sells, and assembles small business administration loans and pools. Additionally, it offers individual and group insurance products, including health, life, disability, and long-term care insurance products for business and private clients. As of December 31, 2021, the company operated 37 private client offices located in the metropolitan New York area, Connecticut, California, and North Carolina. Signature Bank was incorporated in 2000 and is headquartered in New York, New York.

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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.

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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.