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SURF vs BTI: Dividend Comparison 2026

SURF yields 186.92% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SURF wins by $81.09M in total portfolio value
10 years
SURF
SURF
● Live price
186.92%
Share price
$1.07
Annual div
$2.00
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$81.13M
Annual income
$39,529,983.12
Full SURF calculator →
BTI
BTI
● Live price
5.40%
Share price
$58.26
Annual div
$3.15
5Y div CAGR
11.3%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$37.8K
Annual income
$2,802.29
Full BTI calculator →

Portfolio growth — SURF vs BTI

📍 SURF 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 PeriodSURFBTI
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, SURF + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SURF
Annual income on $10K today (after 15% tax)
$15,887.85/yr
After 10yr DRIP, annual income (after tax)
$33,600,485.65/yr
BTI
Annual income on $10K today (after 15% tax)
$459.05/yr
After 10yr DRIP, annual income (after tax)
$2,381.95/yr
At 15% tax rate, SURF beats the other by $33,598,103.71/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 SURF + BTI for your $10,000?

SURF: 50%BTI: 50%
100% BTI50/50100% SURF
Portfolio after 10yr
$40.59M
Annual income
$19,766,392.70/yr
Blended yield
48.70%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

SURF
Analyst Ratings
4
Buy
3
Hold
Consensus: Buy
Altman Z
-6.6
Piotroski
3/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
Sell
Consensus: Buy
Price Target
$40.00
-31.3% 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)

SURF buys
0
BTI buys
0
No recent congressional trades found for SURF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSURFBTI
Forward yield186.92%5.40%
Annual dividend / share$2.00$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%11.3%
Portfolio after 10y$81.13M$37.8K
Annual income after 10y$39,529,983.12$2,802.29
Total dividends collected$76.16M$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearSURF PortfolioSURF Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$29,392$18,691.59$11,301$601.08+$18.1KSURF
2$82,793$51,343.50$12,799$706.58+$70.0KSURF
3$223,755$135,166.69$14,527$832.38+$209.2KSURF
4$580,820$341,402.73$16,527$982.75+$564.3KSURF
5$1,449,711$828,233.59$18,846$1,162.95+$1.43MSURF
6$3,483,199$1,932,007.62$21,545$1,379.49+$3.46MSURF
7$8,065,345$4,338,322.11$24,694$1,640.41+$8.04MSURF
8$18,018,127$9,388,208.03$28,378$1,955.69+$17.99MSURF
9$38,880,730$19,601,334.30$32,702$2,337.79+$38.85MSURF
10$81,132,364$39,529,983.12$37,794$2,802.29+$81.09MSURF

SURF vs BTI: Complete Analysis 2026

SURFStock

Surface Oncology, Inc., a clinical-stage immuno-oncology company, engages in the development of cancer therapies in the United States. The company develops various antibodies that include NZV930, a fully human immunoglobulin isotype G4 monoclonal antibody for the production of extracellular adenosine; SRF617, a fully human IgG4 monoclonal antibody that inhibits CD39 enzymatic activity for the production of adenosine and the breakdown of adenosine triphosphate; SRF388 targeting interleukin 27; GSK4381562, an antibody targeting CD112R, an inhibitory protein expressed on natural killer and T cells; and SRF114 targeting the chemokine receptor CCR8. Surface Oncology, Inc. has a license agreement with GlaxoSmithKline Intellectual Property (No. 4) Limited to develop, manufacture, and commercialize antibodies that targets SRF813; and license agreement with Vaccinex, Inc. to develop, manufacture, and commercialize antibodies, which targets SRF114. The company was incorporated in 2014 and is headquartered in Cambridge, Massachusetts.

Full SURF Calculator →

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.