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TMNSF vs BTI: Dividend Comparison 2026

TMNSF yields 1.67% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 TMNSF wins by $1.53M in total portfolio value· pulled ahead in Year 4
10 years
TMNSF
TMNSF
● Live price
1.67%
Share price
$92.25
Annual div
$1.55
5Y div CAGR
79.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$1.56M
Annual income
$1,166,441.21
Full TMNSF calculator →
BTI
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 — TMNSF vs BTI

📍 TMNSF pulled ahead of the other in Year 4

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodTMNSFBTI
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, TMNSF + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

TMNSF
Annual income on $10K today (after 15% tax)
$142.36/yr
After 10yr DRIP, annual income (after tax)
$991,475.03/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, TMNSF beats the other by $989,106.38/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of TMNSF + BTI for your $10,000?

TMNSF: 50%BTI: 50%
100% BTI50/50100% TMNSF
Portfolio after 10yr
$800.4K
Annual income
$584,613.92/yr
Blended yield
73.04%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

TMNSF
Analyst Ratings
1
Buy
Consensus: Buy
Altman Z
4.1
Piotroski
7/9
BTI
Analyst Ratings
12
Buy
4
Hold
2
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.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TMNSF buys
0
BTI buys
0
No recent congressional trades found for TMNSF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTMNSFBTI
Forward yield1.67%5.38%
Annual dividend / share$1.55$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR79.4%11.3%
Portfolio after 10y$1.56M$37.7K
Annual income after 10y$1,166,441.21$2,786.64
Total dividends collected$1.51M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearTMNSF PortfolioTMNSF Income/yrBTI PortfolioBTI Income/yrGap
1$11,000$300.46$11,299$598.92$299.00BTI
2$12,325$554.16$12,794$703.91$469.00BTI
3$14,228$1,040.97$14,518$829.07$290.00BTI
4← crossover$17,239$2,014.91$16,513$978.64+$726.00TMNSF
5$22,539$4,093.14$18,827$1,157.84+$3.7KTMNSF
6$33,089$8,972.53$21,518$1,373.12+$11.6KTMNSF
7$57,491$22,085.40$24,657$1,632.46+$32.8KTMNSF
8$125,852$64,336.19$28,329$1,945.74+$97.5KTMNSF
9$370,792$236,130.78$32,637$2,325.33+$338.2KTMNSF
10$1,563,189$1,166,441.21$37,708$2,786.64+$1.53MTMNSF

TMNSF vs BTI: Complete Analysis 2026

TMNSFStock

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions worldwide. The company provides Temenos Transact, a banking solution that offers banking software, and data and analytics; and Temenos Payments, a payment solution that gives banks real-time control, customer service experience, and cost efficiencies and risk management solutions. It also offers Temenos Infinity, a digital banking product; Temenos Multifonds, a fund administration solution; Temenos SaaS solution that supports banks in various sectors and geographies; Temenos Quantum, a multi-experience development platform that delivers digital transformation; and Temenos AI that provides frictionless customer experiences and automate processes. In addition, the company provides Temenos Financial Crime Mitigation that allows banks and financial institutions to avoid regulatory fines, detect fraud, and mitigate reputational risks; Temenos Analytics, a reporting, analytics, and business intelligence product; and Temenos Regulatory Compliance, which is used to address fraud, remain compliant with regulations, and manage risk. Further, it offers retail and private banking, corporate and business banking, Islamic banking, wealth management, financial inclusion, mobile banking, consultancy and training services, and support services. Additionally, the company provides Temenos Developer Community, an open API catalogue that brings standardized out-of-the-box APIs to fast track innovation with online support and resources. The company was formerly known as Temenos Group AG and changed its name to Temenos AG in May 2018. Temenos AG was founded in 1993 and is headquartered in Geneva, Switzerland.

Full TMNSF 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.