HomeCompareSOMC vs PM

SOMC vs PM: Dividend Comparison 2026

SOMC yields 2.51% · PM yields 3.49%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SOMC wins by $9.8K in total portfolio value· pulled ahead in Year 9
10 years
SOMC
SOMC
● Live price
2.51%
Share price
$25.50
Annual div
$0.64
5Y div CAGR
36.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$59.5K
Annual income
$13,089.10
Full SOMC calculator →
PM
Philip Morris International
● Live price
3.49%
Share price
$164.83
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,502.61
Full PM calculator →

Portfolio growth — SOMC vs PM

📍 SOMC pulled ahead of the other in Year 9

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 PeriodSOMCPM
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, SOMC + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SOMC
Annual income on $10K today (after 15% tax)
$213.33/yr
After 10yr DRIP, annual income (after tax)
$11,125.74/yr
PM
Annual income on $10K today (after 15% tax)
$297.03/yr
After 10yr DRIP, annual income (after tax)
$2,127.22/yr
At 15% tax rate, SOMC beats the other by $8,998.52/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of SOMC + PM for your $10,000?

SOMC: 50%PM: 50%
100% PM50/50100% SOMC
Portfolio after 10yr
$54.5K
Annual income
$7,795.86/yr
Blended yield
14.29%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

SOMC
No analyst data
Altman Z
0.3
Piotroski
5/9
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.9% upside vs current
Range: $180.00 — $205.00
Altman Z
4.0
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)

SOMC buys
0
PM buys
0
No recent congressional trades found for SOMC or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSOMCPM
Forward yield2.51%3.49%
Annual dividend / share$0.64$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR36.3%17.2%
Portfolio after 10y$59.5K$49.6K
Annual income after 10y$13,089.10$2,502.61
Total dividends collected$35.0K$11.8K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

Year-by-year: SOMC vs PM ($10,000, DRIP)

YearSOMC PortfolioSOMC Income/yrPM PortfolioPM Income/yrGap
1$11,042$342.09$11,650$409.56$608.00PM
2$12,296$481.17$13,592$497.49$1.3KPM
3$13,839$682.54$15,882$605.21$2.0KPM
4$15,787$978.57$18,589$737.41$2.8KPM
5$18,314$1,421.93$21,794$899.94$3.5KPM
6$21,697$2,101.24$25,597$1,100.16$3.9KPM
7$26,387$3,171.09$30,118$1,347.30$3.7KPM
8$33,147$4,912.57$35,505$1,652.97$2.4KPM
9← crossover$43,328$7,860.87$41,940$2,031.88+$1.4KSOMC
10$59,450$13,089.10$49,643$2,502.61+$9.8KSOMC

SOMC vs PM: Complete Analysis 2026

SOMCStock

Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank & Trust that provides a range of commercial banking services to individuals, businesses, institutions, and governmental agencies primarily in the southwest Michigan communities. Its deposit products include interest and non-interest checking, savings, and various types of money market accounts; time, savings, and demand deposits; and certificates of deposit and IRAs. The company also provides home mortgages and equity loans, home equity line of credit, and auto/personal loans; business loans, such as lines of credit, term loans, commercial real estate loans, commercial and industrial loans, agriculture loans, letters of credit, small business administration loans, and capital access loans; industrial, construction, real estate, and inventory loans; and consumer lending products comprising direct and indirect loans to purchasers of residential real property and consumer goods. In addition, it offers trust and investment services that include investment management, trustee, IRA rollovers and retirement plan, institutional and personal custody, estate settlement, wealth management, estate and wealth transfer planning assistance, charitable gift planning assistance, and cash management custody services; and safe deposit box and automated teller machine services. Further, the company provides online and mobile banking, bill pay, e-statements, health savings account, ACH, wire transfer, remote deposit capture, insurance, and merchant services, as well as ATM, debit, credit, and gift cards. As of March 23, 2022, it operated 13 branches within Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties. The company was founded in 1871 and is based in Coldwater, Michigan.

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PMConsumer Staples

Philip Morris International Inc. operates as a tobacco company working to delivers a smoke-free future and evolving portfolio for the long-term to include products outside of the tobacco and nicotine sector. The company's product portfolio primarily consists of cigarettes and smoke-free products, including heat-not-burn, vapor, and oral nicotine products that are sold in markets outside the United States. The company offers its smoke-free products under the HEETS, HEETS Creations, HEETS Dimensions, HEETS Marlboro, HEETS FROM MARLBORO, Marlboro Dimensions, Marlboro HeatSticks, Parliament HeatSticks, and TEREA brands, as well as the KT&G-licensed brands, Fiit, and Miix. It also sells its products under the Marlboro, Parliament, Bond Street, Chesterfield, L&M, Lark, and Philip Morris brands. In addition, the company owns various cigarette brands, such as Dji Sam Soe, Sampoerna A, and Sampoerna U in Indonesia; and Fortune and Jackpot in the Philippines. The company sells its smoke-free products in 71 markets. Philip Morris International Inc. was incorporated in 1987 and is headquartered in New York, New York.

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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.