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SMMF vs MO: Dividend Comparison 2026

SMMF yields 3.42% · MO yields 6.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SMMF wins by $4.79M in total portfolio value
10 years
SMMF
SMMF
● Live price
3.42%
Share price
$25.70
Annual div
$0.88
5Y div CAGR
70.9%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$4.87M
Annual income
$3,834,032.16
Full SMMF calculator →
MO
Altria Group Inc.
● Live price
6.27%
Share price
$67.02
Annual div
$4.20
5Y div CAGR
22.6%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$77.7K
Annual income
$28,968.54
Full MO calculator →

Portfolio growth — SMMF vs MO

📍 SMMF 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 PeriodSMMFMO
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, SMMF + MO cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SMMF
Annual income on $10K today (after 15% tax)
$291.05/yr
After 10yr DRIP, annual income (after tax)
$3,258,927.34/yr
MO
Annual income on $10K today (after 15% tax)
$532.68/yr
After 10yr DRIP, annual income (after tax)
$24,623.26/yr
At 15% tax rate, SMMF beats the other by $3,234,304.08/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SMMF: 50%MO: 50%
100% MO50/50100% SMMF
Portfolio after 10yr
$2.47M
Annual income
$1,931,500.35/yr
Blended yield
78.07%
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Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

SMMF
Analyst Ratings
2
Buy
1
Hold
Consensus: Buy
Altman Z
0.1
Piotroski
5/9
MO
Analyst Ratings
16
Buy
9
Hold
1
Sell
Consensus: Buy
Price Target
$61.25
-8.6% 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.
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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SMMF buys
0
MO buys
11
PoliticianChamberTickerTypeAmountDate
Ro Khanna🏢 House$MO▲ Buy$1,000 - $15,0002025-08-04
Sheri Biggs🏢 House$MO▼ Sell$1,001 - $15,0002025-03-19
Pete Sessions🏢 House$MO▼ Sell$1,001 - $15,0002024-09-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-03-20
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-02-13
Virginia Foxx🏢 House$MO▼ Sell$1,001 - $15,0002024-01-16
Virginia Foxx🏢 House$MO▲ Buy$1,001 - $15,0002024-01-11
Ro Khanna🏢 House$MO▼ Sell$1,001 - $15,0002024-01-10
Ro Khanna🏢 House$MO▲ Buy$1,001 - $15,0002024-01-10
Virginia Foxx🏢 House$MO▼ Sell$15,001 - $50,0002024-01-10
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSMMFMO
Forward yield3.42%6.27%
Annual dividend / share$0.88$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR70.9%22.6%
Portfolio after 10y$4.87M$77.7K
Annual income after 10y$3,834,032.16$28,968.54
Total dividends collected$4.76M$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearSMMF PortfolioSMMF Income/yrMO PortfolioMO Income/yrGap
1← crossover$11,285$585.18$10,558$768.31+$727.00SMMF
2$13,130$1,054.77$11,352$1,015.87+$1.8KSMMF
3$16,009$1,960.06$12,482$1,367.86+$3.5KSMMF
4$20,947$3,817.09$14,103$1,883.39+$6.8KSMMF
5$30,390$7,977.05$16,472$2,664.91+$13.9KSMMF
6$51,002$18,484.84$20,024$3,897.79+$31.0KSMMF
7$104,121$49,548.55$25,537$5,933.74+$78.6KSMMF
8$272,971$161,561.50$34,478$9,476.77+$238.5KSMMF
9$968,589$676,510.17$49,776$16,022.63+$918.8KSMMF
10$4,870,422$3,834,032.16$77,699$28,968.54+$4.79MSMMF

SMMF vs MO: Complete Analysis 2026

SMMFStock

Summit Financial Group, Inc. operates as a financial holding company for Summit Community Bank, Inc. that provides community banking and other financial services to individuals and businesses primarily in the Eastern Panhandle, Southern and North Central regions of West Virginia and the Northern, Shenandoah Valley, and Southwestern regions of Virginia, and the Central region of Kentucky. The company's community banking services include demand, savings, and time deposits; commercial, commercial real estate, construction and land development, residential real estate, and consumer loans; and mortgage warehouse lines of credit, as well as trust and wealth management, cash management, and insurance services. As of December 31, 2021, it operated through 45 banking offices. The company was incorporated in 1987 and is headquartered in Moorefield, West Virginia.

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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.