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SVBT vs PM: Dividend Comparison 2026

SVBT yields 1.58% · PM yields 3.48%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 SVBT wins by $541.4K in total portfolio value· pulled ahead in Year 6
10 years
SVBT
SVBT
● Live price
1.58%
Share price
$61.52
Annual div
$0.97
5Y div CAGR
72.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$591.0K
Annual income
$387,404.65
Full SVBT 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 — SVBT vs PM

📍 SVBT pulled ahead of the other in Year 6

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 PeriodSVBTPM
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, SVBT + PM cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

SVBT
Annual income on $10K today (after 15% tax)
$134.02/yr
After 10yr DRIP, annual income (after tax)
$329,293.95/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, SVBT beats the other by $327,175.74/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

SVBT: 50%PM: 50%
100% PM50/50100% SVBT
Portfolio after 10yr
$320.3K
Annual income
$194,948.34/yr
Blended yield
60.86%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PM right now

SVBT
No analyst data
Altman Z
0.2
Piotroski
4/9
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)

SVBT buys
0
PM buys
0
No recent congressional trades found for SVBT or PM in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricSVBTPM
Forward yield1.58%3.48%
Annual dividend / share$0.97$5.76
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR72.8%17.2%
Portfolio after 10y$591.0K$49.6K
Annual income after 10y$387,404.65$2,492.02
Total dividends collected$551.0K$11.7K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearSVBT PortfolioSVBT Income/yrPM PortfolioPM Income/yrGap
1$10,972$272.46$11,648$408.29$676.00PM
2$12,223$482.80$13,589$495.90$1.4KPM
3$13,948$868.58$15,877$603.21$1.9KPM
4$16,524$1,600.58$18,580$734.88$2.1KPM
5$20,744$3,062.43$21,781$896.75$1.0KPM
6← crossover$28,404$6,208.44$25,578$1,096.12+$2.8KSVBT
7$44,121$13,729.02$30,092$1,342.17+$14.0KSVBT
8$81,650$34,440.37$35,470$1,646.46+$46.2KSVBT
9$190,294$102,928.66$41,892$2,023.58+$148.4KSVBT
10$591,020$387,404.65$49,578$2,492.02+$541.4KSVBT

SVBT vs PM: Complete Analysis 2026

SVBTStock

SVB & T Corporation operates as a financial holding company for Springs Valley Bank & Trust Company that provides banking and financial services to individual and corporate customers in Orange, Dubois, and surrounding counties in southern Indiana. It offers checking, savings, and club accounts; certificates of deposit; individual retirement accounts; health savings accounts; CDARS/insured cash sweep accounts; and safe deposit boxes. The company also provides personal loans comprising mortgages, construction, professional loans, first time home buyer, and veteran's administration loan/federal housing administration/US department of agriculture; home equity line of credit and consumer loan products; and debit and credit cards. In addition, it offers business loans comprising commercial, agricultural, lines of credit, small business administration/farm service agency, and leases; and financial planning, investment management, estate planning and administration, trust, and other services, as well as brokerage services, such as mutual funds, annuities, tax advantage investments, life insurance products, retirement plans, and professionally managed accounts. Further, the company offers online solutions, which include online banking, e-statement, retail bill pay, mobile banking, mobile deposit, transfer, and mobile wallet services, as well as cash management services. SVB&T Corporation was founded in 1902 and is headquartered in French Lick, Indiana.

Full SVBT 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.