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SICP vs BTI: Dividend Comparison 2026

SICP yields 285.71% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SICP wins by $1093.22M in total portfolio value
10 years
SICP
SICP
● Live price
285.71%
Share price
$0.70
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1093.26M
Annual income
$647,471,568.28
Full SICP 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 — SICP vs BTI

📍 SICP 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 PeriodSICPBTI
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, SICP + BTI cover 0 of 12 months — good coverage

Jan
—
Feb
—
Mar
—
Apr
—
May
—
Jun
—
Jul
—
Aug
—
Sep
—
Oct
—
Nov
—
Dec
—
SICP pays
BTI pays
Both pay
Neither
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Tax Bracket Optimizer

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

SICP
Annual income on $10K today (after 15% tax)
$24,285.71/yr
After 10yr DRIP, annual income (after tax)
$550,350,833.04/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, SICP beats the other by $550,348,464.39/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SICP: 50%BTI: 50%
100% BTI50/50100% SICP
Portfolio after 10yr
$546.65M
Annual income
$323,737,177.46/yr
Blended yield
59.22%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

SICP
Analyst Ratings
8
Buy
9
Hold
5
Sell
Consensus: Hold
Altman Z
-0.5
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)

SICP buys
0
BTI buys
0
No recent congressional trades found for SICP or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSICPBTI
Forward yield285.71% ✓5.38%
Annual dividend / share$2.00$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3% ✓
Portfolio after 10y$1093.26M ✓$37.7K
Annual income after 10y$647,471,568.28 ✓$2,786.64
Total dividends collected$1047.83M ✓$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearSICP PortfolioSICP Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$39,271$28,571.43$11,299$598.92+$28.0K → SICP
2$146,884$104,863.63$12,794$703.91+$134.1K → SICP
3$523,721$366,554.92$14,518$829.07+$509.2K → SICP
4$1,781,845$1,221,463.51$16,513$978.64+$1.77M → SICP
5$5,790,462$3,883,888.27$18,827$1,157.84+$5.77M → SICP
6$17,991,565$11,795,770.15$21,518$1,373.12+$17.97M → SICP
7$53,503,944$34,252,969.34$24,657$1,632.46+$53.48M → SICP
8$152,447,983$95,198,763.11$28,329$1,945.74+$152.42M → SICP
9$416,622,524$253,503,182.74$32,637$2,325.33+$416.59M → SICP
10$1,093,257,669$647,471,568.28$37,708$2,786.64+$1093.22M → SICP

SICP vs BTI: Complete Analysis 2026

SICP — Stock

Silvergate Capital Corporation operates as a bank holding company for Silvergate Bank that provides banking products and services to business and individual clients in the United States. The company accepts deposit products, including interest and noninterest bearing demand accounts, money market and savings accounts, and certificates of deposit accounts. Its loan products comprise one-to-four family real estate loans, multi-family real estate loans, commercial real estate loans, construction loans, commercial and industrial loans, mortgage warehouse loans, and reverse mortgage loans, as well as consumer loans and other loans secured by personal property. The company also provides cash management services for digital currency-related businesses. Silvergate Capital Corporation was founded in 1988 and is headquartered in La Jolla, California.

Full SICP 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.