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SURF vs MO: Dividend Comparison 2026

SURF yields 186.92% · MO yields 6.27%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 SURF wins by $81.05M 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 →
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 — SURF vs MO

📍 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 PeriodSURFMO
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, SURF + MO cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SURF pays
MO 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
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, SURF beats the other by $33,575,862.39/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SURF: 50%MO: 50%
100% MO50/50100% SURF
Portfolio after 10yr
$40.61M
Annual income
$19,779,475.83/yr
Blended yield
48.71%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on MO right now

SURF
Analyst Ratings
4
Buy
3
Hold
Consensus: Buy
Altman Z
-6.6
Piotroski
3/9
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

SURF buys
0
MO buys
0
No recent congressional trades found for SURF or MO in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSURFMO
Forward yield186.92%6.27%
Annual dividend / share$2.00$4.20
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%22.6%
Portfolio after 10y$81.13M$77.7K
Annual income after 10y$39,529,983.12$28,968.54
Total dividends collected$76.16M$72.0K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearSURF PortfolioSURF Income/yrMO PortfolioMO Income/yrGap
1← crossover$29,392$18,691.59$10,558$768.31+$18.8KSURF
2$82,793$51,343.50$11,352$1,015.87+$71.4KSURF
3$223,755$135,166.69$12,482$1,367.86+$211.3KSURF
4$580,820$341,402.73$14,103$1,883.39+$566.7KSURF
5$1,449,711$828,233.59$16,472$2,664.91+$1.43MSURF
6$3,483,199$1,932,007.62$20,024$3,897.79+$3.46MSURF
7$8,065,345$4,338,322.11$25,537$5,933.74+$8.04MSURF
8$18,018,127$9,388,208.03$34,478$9,476.77+$17.98MSURF
9$38,880,730$19,601,334.30$49,776$16,022.63+$38.83MSURF
10$81,132,364$39,529,983.12$77,699$28,968.54+$81.05MSURF

SURF vs MO: 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.

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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.

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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.