HomeCompareSEBC vs MO

SEBC vs MO: Dividend Comparison 2026

SEBC yields 3.05% · MO yields 6.36%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SEBC wins by $27.7K in total portfolio value
10 years
SEBC
SEBC
● Live price
3.05%
Share price
$28.55
Annual div
$0.87
5Y div CAGR
41.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$107.8K
Annual income
$36,214.86
Full SEBC 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 — SEBC vs MO

📍 SEBC pulled ahead of the other in Year 1

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 PeriodSEBCMO
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, SEBC + MO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SEBC pays
MO pays
Both pay
Neither
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Tax Bracket Optimizer

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

SEBC
Annual income on $10K today (after 15% tax)
$259.02/yr
After 10yr DRIP, annual income (after tax)
$30,782.63/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, SEBC beats the other by $5,147.34/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 SEBC + MO for your $10,000?

SEBC: 50%MO: 50%
100% MO50/50100% SEBC
Portfolio after 10yr
$94.0K
Annual income
$33,187.01/yr
Blended yield
35.31%
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Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

SEBC
No analyst data
Altman Z
0.4
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)

SEBC buys
0
MO buys
0
No recent congressional trades found for SEBC or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSEBCMO
Forward yield3.05%6.36%
Annual dividend / share$0.87$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR41.7%22.6%
Portfolio after 10y$107.8K$80.1K
Annual income after 10y$36,214.86$30,159.17
Total dividends collected$80.0K$74.5K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearSEBC PortfolioSEBC Income/yrMO PortfolioMO Income/yrGap
1← crossover$11,132$431.80$10,570$780.30+$562.00SEBC
2$12,548$636.55$11,381$1,032.90+$1.2KSEBC
3$14,376$950.20$12,535$1,392.73+$1.8KSEBC
4$16,824$1,441.73$14,193$1,920.91+$2.6KSEBC
5$20,236$2,234.40$16,618$2,723.68+$3.6KSEBC
6$25,212$3,559.13$20,263$3,993.80+$4.9KSEBC
7$32,849$5,872.26$25,936$6,098.36+$6.9KSEBC
8$45,281$10,132.29$35,166$9,775.01+$10.1KSEBC
9$66,947$18,496.31$51,026$16,597.78+$15.9KSEBC
10$107,848$36,214.86$80,113$30,159.17+$27.7KSEBC

SEBC vs MO: Complete Analysis 2026

SEBCStock

Southeastern Banking Corporation operates as a bank holding company for Southeastern Bank that provides commercial and consumer banking products and services in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit. It also provides home, construction, personal, auto, boat and recreational vehicle, business term, equipment, and small business administration loans; home equity loans and lines, and operating lines of credit; commercial real estate and residential real estate–mortgage loans, as well as other commercial, financial, and agricultural loans; and debit and credit cards. In addition, the company offers business cash management and overdraft protection services, as well as online and mobile banking, bill payment, and e-statement services. It operates through 10 branch locations and ATM networks in southeast Georgia and northeast Florida. The company was founded in 1888 and is headquartered in Darien, Georgia.

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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.

Full MO 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.