Is SSBK or BTI a better dividend investment in 2026?

SSBK currently yields 0.99% with a 5% 5-year dividend growth rate. BTI yields 5.38% with 5% growth. The better choice depends on your goal: BTI offers higher current income.

What is the dividend yield difference between SSBK and BTI?

SSBK has a forward dividend yield of 0.99% ($0.36/share annually). BTI yields 5.38% ($3.15/share annually). The yield gap is 4.39 percentage points.

Home › Compare › SSBK vs BTI

SSBK vs BTI: Dividend Comparison 2026

SSBK yields 0.99% · BTI yields 5.38%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 BTI wins by $10.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

SSBK

● Live price

0.99%

Share price

$36.37

Annual div

$0.36

5Y div CAGR

30.2%

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$27.4K

Annual income

$1,805.19

Full SSBK calculator →

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 — SSBK 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 Period	SSBK	BTI
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, SSBK + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

SSBK pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

SSBK

Annual income on $10K today (after 15% tax)

$84.14/yr

After 10yr DRIP, annual income (after tax)

$1,534.41/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 $834.23/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 SSBK + BTI for your $10,000?

SSBK: 50%BTI: 50%

100% BTI50/50100% SSBK

Portfolio after 10yr

$32.6K

Annual income

$2,295.92/yr

Blended yield

7.05%

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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

SSBK

Analyst Ratings

Buy

Hold

Consensus: Buy

Altman Z

-0.6

Piotroski

7/9

BTI

Analyst Ratings

Buy

Hold

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SSBK buys

BTI buys

No recent congressional trades found for SSBK or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricSSBKBTI

Forward yield	0.99%	5.38% ✓
Annual dividend / share	$0.36	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	30.2% ✓	11.3%
Portfolio after 10y	$27.4K	$37.7K ✓
Annual income after 10y	$1,805.19	$2,786.64 ✓
Total dividends collected	$6.5K	$14.3K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples
Analyst consensus	Buy	Buy

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

Year	SSBK Portfolio	SSBK Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$10,829	$128.88	$11,299	$598.92	$470.00 → BTI
2	$11,757	$169.82	$12,794	$703.91	$1.0K → BTI
3	$12,804	$224.34	$14,518	$829.07	$1.7K → BTI
4	$13,998	$297.30	$16,513	$978.64	$2.5K → BTI
5	$15,373	$395.49	$18,827	$1,157.84	$3.5K → BTI
6	$16,978	$528.52	$21,518	$1,373.12	$4.5K → BTI
7	$18,876	$710.25	$24,657	$1,632.46	$5.8K → BTI
8	$21,158	$960.89	$28,329	$1,945.74	$7.2K → BTI
9	$23,950	$1,310.61	$32,637	$2,325.33	$8.7K → BTI
10	$27,432	$1,805.19	$37,708	$2,786.64	$10.3K → BTI

SSBK vs BTI: Complete Analysis 2026

SSBK — Stock

Southern States Bancshares, Inc. operates as the bank holding company for Southern States Bank that provides community banking services to businesses and individuals. It offers various deposit products, such as savings, money market, and noninterest-bearing demand accounts; certificates of deposit; and time deposits. The company also provides real estate loan products, which include loans for real estate construction and development, residential mortgages, and commercial real estate mortgage loans; commercial and industrial loans; and direct consumer installment loans, overdrafts, and other revolving credit loans. In addition, it offers online and mobile banking, and ATM services. The company operates 15 offices in Alabama and Georgia, as well as a loan production office in Atlanta, Georgia. Southern States Bancshares, Inc. was founded in 2007 and is headquartered in Anniston, Alabama.

Full SSBK 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.