HomeCompareUNTN vs BTI

UNTN vs BTI: Dividend Comparison 2026

UNTN yields 2.52% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 BTI wins by $10.8K in total portfolio value
10 years
UNTN
UNTN
● Live price
2.52%
Share price
$25.00
Annual div
$0.63
5Y div CAGR
11.5%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$26.9K
Annual income
$986.25
Full UNTN 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 — UNTN vs BTI

📍 BTI 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 PeriodUNTNBTI
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, UNTN + BTI cover 0 of 12 monthsgood coverage

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

Tax Bracket Optimizer

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

UNTN
Annual income on $10K today (after 15% tax)
$214.20/yr
After 10yr DRIP, annual income (after tax)
$838.31/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, BTI beats the other by $1,530.33/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

UNTN: 50%BTI: 50%
100% BTI50/50100% UNTN
Portfolio after 10yr
$32.3K
Annual income
$1,886.44/yr
Blended yield
5.84%
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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

UNTN
No analyst data
Altman Z
0.0
Piotroski
3/9
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)

UNTN buys
0
BTI buys
0
No recent congressional trades found for UNTN or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricUNTNBTI
Forward yield2.52%5.38%
Annual dividend / share$0.63$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR11.5%11.3%
Portfolio after 10y$26.9K$37.7K
Annual income after 10y$986.25$2,786.64
Total dividends collected$5.7K$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearUNTN PortfolioUNTN Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$10,981$280.98$11,299$598.92$318.00BTI
2$12,071$321.52$12,794$703.91$723.00BTI
3$13,284$368.30$14,518$829.07$1.2KBTI
4$14,637$422.37$16,513$978.64$1.9KBTI
5$16,146$484.94$18,827$1,157.84$2.7KBTI
6$17,834$557.45$21,518$1,373.12$3.7KBTI
7$19,724$641.61$24,657$1,632.46$4.9KBTI
8$21,844$739.45$28,329$1,945.74$6.5KBTI
9$24,226$853.37$32,637$2,325.33$8.4KBTI
10$26,909$986.25$37,708$2,786.64$10.8KBTI

UNTN vs BTI: Complete Analysis 2026

UNTNStock

United Tennessee Bankshares, Inc. operates as the holding company for Newport Federal Bank that provides various financial services to individuals and corporate customers. The company accepts interest-bearing checking, savings, NOW, passbook savings, money market, and individual retirement accounts, as well as certificates of deposit. It offers one-to-four family first mortgage, consumer, car, secured/unsecured, home improvement, new construction, debt consolidation, and commercial real estate loans; and lines of credit, remodeling, loans of deposits, and land refinancing. The company also provides investment securities portfolio consists of the U.S. government corporations and agency securities, municipal bonds of governmental entities, corporate debt, and mortgage-backed securities, as well as obligations of states and political; and Internet banking services. It operates through three full-service banking offices located in Newport, Tennessee. The company was founded in 1934 and is based in Newport, Tennessee.

Full UNTN 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.

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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.