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UIHC vs BTI: Dividend Comparison 2026

UIHC yields 29.00% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 UIHC wins by $538473189.14M in total portfolio value
10 years
UIHC
UIHC
● Live price
29.00%
Share price
$7.93
Annual div
$2.30
5Y div CAGR
97.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$538473189.18M
Annual income
$534,397,710,634,095.75
Full UIHC 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 — UIHC vs BTI

📍 UIHC 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 PeriodUIHCBTI
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, UIHC + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UIHC
Annual income on $10K today (after 15% tax)
$2,465.32/yr
After 10yr DRIP, annual income (after tax)
$454,238,054,038,981.40/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, UIHC beats the other by $454,238,054,036,612.75/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UIHC: 50%BTI: 50%
100% BTI50/50100% UIHC
Portfolio after 10yr
$269236594.61M
Annual income
$267,198,855,318,441.20/yr
Blended yield
99.24%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

UIHC
Analyst Ratings
5
Hold
1
Sell
Consensus: Hold
Price Target
$1.90
-76.0% upside vs current
Range: $1.90 — $1.90
Altman Z
27.0
Piotroski
4/9
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)

UIHC buys
0
BTI buys
0
No recent congressional trades found for UIHC or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUIHCBTI
Forward yield29.00%5.38%
Annual dividend / share$2.30$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR97.2%11.3%
Portfolio after 10y$538473189.18M$37.7K
Annual income after 10y$534,397,710,634,095.75$2,786.64
Total dividends collected$538203030.10M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusHoldBuy
Analyst price target$1.90$40.00

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

YearUIHC PortfolioUIHC Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$16,420$5,719.55$11,299$598.92+$5.1KUIHC
2$34,877$17,307.96$12,794$703.91+$22.1KUIHC
3$105,074$67,755.63$14,518$829.07+$90.6KUIHC
4$488,635$376,206.00$16,513$978.64+$472.1KUIHC
5$3,747,164$3,224,324.26$18,827$1,157.84+$3.73MUIHC
6$49,579,557$45,570,091.28$21,518$1,373.12+$49.56MUIHC
7$1,164,277,661$1,111,227,535.94$24,657$1,632.46+$1164.25MUIHC
8$49,338,576,196$48,092,799,098.62$28,329$1,945.74+$49338.55MUIHC
9$3,808,858,452,173$3,756,066,175,643.08$32,637$2,325.33+$3808858.42MUIHC
10$538,473,189,177,921$534,397,710,634,095.75$37,708$2,786.64+$538473189.14MUIHC

UIHC vs BTI: Complete Analysis 2026

UIHCStock

United Insurance Holdings Corp. operates as a property and casualty insurance holding company that sources, writes, and services residential personal and commercial property, and casualty insurance policies in the United States. The company offers structure, content, and liability coverage for standard single-family homeowners, renters, and condominium unit owners. It also provides commercial multi-peril property insurance for residential condominium associations, as well as loss or damage to buildings, inventory, and equipment caused by fire, wind, hail, water, theft, and vandalism. In addition, the company offers equipment breakdown, identity theft, cyber security, and flood policies. It markets and distributes its products through a network of independent agencies in Florida, New York, Louisiana, Texas, Georgia, Massachusetts, New Jersey, North Carolina, and South Carolina. United Insurance Holdings Corp. was founded in 1999 and is based in St. Petersburg, Florida.

Full UIHC 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.