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SSBI vs BTI: Dividend Comparison 2026

SSBI yields 0.29% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $18.0K in total portfolio value
10 years
SSBI
SSBI
● Live price
0.29%
Share price
$13.62
Annual div
$0.04
5Y div CAGR
-50%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$19.7K
Annual income
$0.03
Full SSBI 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 — SSBI vs BTI

📍 BTI 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 PeriodSSBIBTI
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, SSBI + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SSBI
Annual income on $10K today (after 15% tax)
$24.96/yr
After 10yr DRIP, annual income (after tax)
$0.03/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, BTI beats the other by $2,368.62/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SSBI: 50%BTI: 50%
100% BTI50/50100% SSBI
Portfolio after 10yr
$28.7K
Annual income
$1,393.33/yr
Blended yield
4.85%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

SSBI
Analyst Ratings
1
Hold
Consensus: Hold
Altman Z
0.3
Piotroski
7/9
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)

SSBI buys
0
BTI buys
0
No recent congressional trades found for SSBI or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSSBIBTI
Forward yield0.29%5.38%
Annual dividend / share$0.04$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-50%11.3%
Portfolio after 10y$19.7K$37.7K
Annual income after 10y$0.03$2,786.64
Total dividends collected$29.00$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy

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

YearSSBI PortfolioSSBI Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,715$14.68$11,299$598.92$584.00BTI
2$11,472$7.35$12,794$703.91$1.3KBTI
3$12,279$3.68$14,518$829.07$2.2KBTI
4$13,140$1.84$16,513$978.64$3.4KBTI
5$14,061$0.92$18,827$1,157.84$4.8KBTI
6$15,046$0.46$21,518$1,373.12$6.5KBTI
7$16,099$0.23$24,657$1,632.46$8.6KBTI
8$17,226$0.12$28,329$1,945.74$11.1KBTI
9$18,432$0.06$32,637$2,325.33$14.2KBTI
10$19,722$0.03$37,708$2,786.64$18.0KBTI

SSBI vs BTI: Complete Analysis 2026

SSBIStock

Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, individual retirement, and other retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and lines of credit, term, and equipment loans, as well as loans to agriculture-related businesses. In addition, the company provides Internet and telephone banking; and other services, such as banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it offers electronic banking, cash management, and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production offices in Roseville, California, Irvine, and Scottsdale, Arizona. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.

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BTIConsumer 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.