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SCZC vs BTI: Dividend Comparison 2026

SCZC yields 0.94% · BTI yields 5.38%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SCZC wins by $3.70M in total portfolio value· pulled ahead in Year 5
10 years
SCZC
SCZC
● Live price
0.94%
Share price
$41.44
Annual div
$0.39
5Y div CAGR
100%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$3.74M
Annual income
$3,107,431.86
Full SCZC 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 — SCZC vs BTI

📍 SCZC pulled ahead of the other in Year 5

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 PeriodSCZCBTI
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, SCZC + BTI cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

SCZC
Annual income on $10K today (after 15% tax)
$80.00/yr
After 10yr DRIP, annual income (after tax)
$2,641,317.08/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, SCZC beats the other by $2,638,948.44/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SCZC: 50%BTI: 50%
100% BTI50/50100% SCZC
Portfolio after 10yr
$1.89M
Annual income
$1,555,109.25/yr
Blended yield
82.29%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

SCZC
No analyst data
Altman Z
0.3
Piotroski
3/9
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)

SCZC buys
0
BTI buys
0
No recent congressional trades found for SCZC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSCZCBTI
Forward yield0.94%5.38% ✓
Annual dividend / share$0.39$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR100% ✓11.3%
Portfolio after 10y$3.74M$37.7K ✓
Annual income after 10y$3,107,431.86 ✓$2,786.64
Total dividends collected$3.67M$14.3K ✓
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearSCZC PortfolioSCZC Income/yrBTI PortfolioBTI Income/yrGap
1$10,888$188.24$11,299$598.92$411.00 → BTI
2$12,034$383.11$12,794$703.91$760.00 → BTI
3$13,667$791.42$14,518$829.07$851.00 → BTI
4$16,304$1,680.13$16,513$978.64$209.00 → BTI
5← crossover$21,192$3,746.32$18,827$1,157.84+$2.4K → SCZC
6$31,777$9,101.65$21,518$1,373.12+$10.3K → SCZC
7$59,511$25,509.97$24,657$1,632.46+$34.9K → SCZC
8$152,975$89,298.48$28,329$1,945.74+$124.6K → SCZC
9$592,739$429,055.47$32,637$2,325.33+$560.1K → SCZC
10$3,741,663$3,107,431.86$37,708$2,786.64+$3.70M → SCZC

SCZC vs BTI: Complete Analysis 2026

SCZC — Stock

Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses. The company's deposit products include checking, savings, term certificate, money market, and health savings accounts; and IRAs and certificate of deposits. It also offers lending products comprising commercial, multi-family, agricultural, construction, wine industry, venture banking, small business administration, business and industry, farm services agency, municipal, government guarantee, and installment loans, as well as loans supported by single-family residential real estate, commercial real estate financing, and lines of credit. In addition, the company provides debit and credit cards, merchant, online and mobile banking, remote electronic deposit, bill payment, treasury management, and cash management services. It operates through seven full-service offices located in Aptos, Capitola, Cupertino, Monterey, Santa Cruz, Scotts Valley, and Watsonville; and two ATMs and night depository kiosks. Santa Cruz County Bank was incorporated in 2003 and is based in Santa Cruz, California.

Full SCZC 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.