HomeCompareSVBI vs PM

SVBI vs PM: Dividend Comparison 2026

SVBI yields 14.48% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SVBI wins by $2.2K in total portfolio value
10 years
SVBI
SVBI
● Live price
14.48%
Share price
$13.10
Annual div
$1.90
5Y div CAGR
0%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$51.7K
Annual income
$3,549.00
Full SVBI calculator →
PM
Philip Morris International
● Live price
3.48%
Share price
$165.34
Annual div
$5.76
5Y div CAGR
17.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.6K
Annual income
$2,492.02
Full PM calculator →

Portfolio growth — SVBI vs PM

📍 SVBI 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 PeriodSVBIPM
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, SVBI + PM cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
SVBI pays
PM pays
Both pay
Neither
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Tax Bracket Optimizer

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

SVBI
Annual income on $10K today (after 15% tax)
$1,231.16/yr
After 10yr DRIP, annual income (after tax)
$3,016.65/yr
PM
Annual income on $10K today (after 15% tax)
$296.12/yr
After 10yr DRIP, annual income (after tax)
$2,118.22/yr
At 15% tax rate, SVBI beats the other by $898.43/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SVBI: 50%PM: 50%
100% PM50/50100% SVBI
Portfolio after 10yr
$50.7K
Annual income
$3,020.51/yr
Blended yield
5.96%
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Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

SVBI
No analyst data
PM
Analyst Ratings
17
Buy
7
Hold
1
Sell
Consensus: Buy
Price Target
$194.30
+17.5% 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)

SVBI buys
0
PM buys
0
No recent congressional trades found for SVBI or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSVBIPM
Forward yield14.48%3.48%
Annual dividend / share$1.90$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR0%17.2%
Portfolio after 10y$51.7K$49.6K
Annual income after 10y$3,549.00$2,492.02
Total dividends collected$24.5K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearSVBI PortfolioSVBI Income/yrPM PortfolioPM Income/yrGap
1← crossover$12,148$1,448.42$11,648$408.29+$500.00SVBI
2$14,643$1,644.49$13,589$495.90+$1.1KSVBI
3$17,521$1,852.54$15,877$603.21+$1.6KSVBI
4$20,819$2,071.57$18,580$734.88+$2.2KSVBI
5$24,577$2,300.48$21,781$896.75+$2.8KSVBI
6$28,835$2,538.05$25,578$1,096.12+$3.3KSVBI
7$33,637$2,783.01$30,092$1,342.17+$3.5KSVBI
8$39,025$3,034.04$35,470$1,646.46+$3.6KSVBI
9$45,047$3,289.81$41,892$2,023.58+$3.2KSVBI
10$51,749$3,549.00$49,578$2,492.02+$2.2KSVBI

SVBI vs PM: Complete Analysis 2026

SVBIStock

Severn Bancorp, Inc. is a savings and loan holding company, which engages in the provision of financial services through its subsidiaries, Severn Savings Bank, FSB, Mid-Maryland Title Company, Inc., SBI Mortgage Company, and Louis Hyatt, Inc. Its subsidiaries offer personal banking, commercial banking, mortgage lending, and commercial real estate. The company is headquartered in Annapolis, Maryland and currently employs 170 full-time employees. The firm conducts business through its subsidiaries, Severn Savings Bank, FSB (the Bank) and SBI Mortgage Company (SBI). The Bank offers a range of deposit products and originates mortgages in its market of Anne Arundel County, Maryland and in other parts of Maryland, Delaware and Virginia. SBI is engaged in the origination of mortgages not suitable for the Bank. SBI owns subsidiary companies that purchase real estate for investment purposes. The Bank provides a range of personal and commercial banking services. Personal services include mortgage lending and various other lending services, as well as checking, savings, money market, time deposit and individual retirement accounts. Commercial services include commercial secured and unsecured lending services, as well as business Internet banking, corporate cash management services and deposit services.

Full SVBI Calculator →

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.

Full PM 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.