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TOWN vs BTI: Dividend Comparison 2026

TOWN yields 3.15% · BTI yields 5.40%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 TOWN wins by $88.2K in total portfolio value· pulled ahead in Year 4
10 years
TOWN
TOWN
● Live price
3.15%
Share price
$33.67
Annual div
$1.06
5Y div CAGR
43%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$126.0K
Annual income
$45,843.73
Full TOWN 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 — TOWN vs BTI

📍 TOWN pulled ahead of the other in Year 4

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 PeriodTOWNBTI
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, TOWN + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

TOWN
Annual income on $10K today (after 15% tax)
$267.60/yr
After 10yr DRIP, annual income (after tax)
$38,967.17/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, TOWN beats the other by $36,585.22/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

TOWN: 50%BTI: 50%
100% BTI50/50100% TOWN
Portfolio after 10yr
$81.9K
Annual income
$24,323.00/yr
Blended yield
29.71%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

TOWN
Analyst Ratings
3
Buy
3
Hold
Consensus: Buy
Altman Z
-0.5
Piotroski
6/9
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)

TOWN buys
0
BTI buys
0
No recent congressional trades found for TOWN or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricTOWNBTI
Forward yield3.15%5.40%
Annual dividend / share$1.06$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR43%11.3%
Portfolio after 10y$126.0K$37.8K
Annual income after 10y$45,843.73$2,802.29
Total dividends collected$97.0K$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearTOWN PortfolioTOWN Income/yrBTI PortfolioBTI Income/yrGap
1$11,150$450.19$11,301$601.08$151.00BTI
2$12,602$670.86$12,799$706.58$197.00BTI
3$14,497$1,013.28$14,527$832.38$30.00BTI
4← crossover$17,070$1,557.87$16,527$982.75+$543.00TOWN
5$20,716$2,451.50$18,846$1,162.95+$1.9KTOWN
6$26,142$3,976.18$21,545$1,379.49+$4.6KTOWN
7$34,678$6,705.88$24,694$1,640.41+$10.0KTOWN
8$48,994$11,888.31$28,378$1,955.69+$20.6KTOWN
9$74,871$22,447.03$32,702$2,337.79+$42.2KTOWN
10$125,955$45,843.73$37,794$2,802.29+$88.2KTOWN

TOWN vs BTI: Complete Analysis 2026

TOWNStock

TowneBank provides retail and commercial banking services for individuals, commercial enterprises, and professionals. The company operates through three segments: Banking, Realty, and Insurance. It accepts various deposits, including demand deposits, savings accounts, money rate savings, certificates of deposit, and individual retirement accounts. The company also offers secured and unsecured personal loans for financing automobiles, home improvements, education, and personal investments; commercial loans for working capital, business expansion, and equipment and machinery purchases; and mortgage loans, as well as real estate acquisition, development, and construction loans. In addition, it provides other services, such as safe deposit boxes, treasury management services, direct deposit of payroll and social security checks, and automatic drafts for various accounts, as well as online, mobile, and on-call banking services. Further, the company offers documentation services to accomplish tax deferral to investors; investment and asset management services; commercial mortgage brokerage services; and other financial services, such as financial, retirement, and estate planning services, as well as assistance on various investment options comprising alternative investments, annuities, margin accounts, convertible bonds, and pension and profit-sharing plans. Additionally, it provides residential real estate, relocation, property management, vacations rental, and title and settlement services; and originates residential mortgage loans. The company also offers life, property, casualty, and vehicle insurance services; and employee benefit programs, such as health, dental, vision, and disability insurance. It operates in Richmond, Virginia, the Greater Hampton Roads region in southeastern Virginia, northeastern North Carolina, Raleigh, Charlotte, Greensboro, and Greenville, North Carolina. TowneBank was incorporated in 1998 and is headquartered in Portsmouth, Virginia.

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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.

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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.