Is UTRS or BTI a better dividend investment in 2026?

UTRS currently yields 2000000.00% with a 5% 5-year dividend growth rate. BTI yields 5.40% with 5% growth. The better choice depends on your goal: UTRS offers higher current income.

What is the dividend yield difference between UTRS and BTI?

UTRS has a forward dividend yield of 2000000.00% ($2.00/share annually). BTI yields 5.40% ($3.15/share annually). The yield gap is 1999994.60 percentage points.

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UTRS vs BTI: Dividend Comparison 2026

UTRS yields 2000000.00% · BTI yields 5.40%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 UTRS wins by $4.879226400974806e+39M in total portfolio value

INVESTMENT

TIME HORIZON10 years

UTRS

● Live price

2000000.00%

Share price

$0.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$4.879226400974806e+39M

Annual income

$4,878,746,539,330,970,000,000,000,000,000,000,000,000,000,000.00

Full UTRS calculator →

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 — UTRS vs BTI

📍 UTRS 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 Period	UTRS	BTI
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, UTRS + BTI cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

UTRS pays

BTI pays

Both pay

Neither

💰

Tax Bracket Optimizer

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

UTRS

Annual income on $10K today (after 15% tax)

$170,000,000.00/yr

After 10yr DRIP, annual income (after tax)

$4,146,934,558,431,324,500,000,000,000,000,000,000,000,000,000.00/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, UTRS beats the other by $4,146,934,558,431,324,500,000,000,000,000,000,000,000,000,000.00/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

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

UTRS: 50%BTI: 50%

100% BTI50/50100% UTRS

Portfolio after 10yr

$2.439613200487403e+39M

Annual income

$2,439,373,269,665,485,000,000,000,000,000,000,000,000,000,000.00/yr

Blended yield

99.99%

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Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

UTRS

Analyst Ratings

Buy

Sell

Consensus: Buy

Price Target

$100.00

+99999900.0% upside vs current

Range: $100.00 — $100.00

Altman Z

-6.3

Piotroski

2/9

BTI

Analyst Ratings

Buy

Hold

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.

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Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

UTRS buys

BTI buys

No recent congressional trades found for UTRS or BTI in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricUTRSBTI

Forward yield	2000000.00% ✓	5.40%
Annual dividend / share	$2.00	$3.15 ✓
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	11.3% ✓
Portfolio after 10y	$4.879226400974806e+39M	$37.8K ✓
Annual income after 10y	$4,878,746,539,330,970,000,000,000,000,000,000,000,000,000,000.00 ✓	$2,802.29
Total dividends collected	$4.879195005460081e+39M	$14.4K ✓
Payment frequency	quarterly	quarterly
Sector	Stock	Consumer Staples
Analyst consensus	Buy	Buy
Analyst price target	$100.00 ✓	$40.00

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

Year	UTRS Portfolio	UTRS Income/yr	BTI Portfolio	BTI Income/yr	Gap
1← crossover	$200,010,700	$200,000,000.00	$11,301	$601.08	+$200.00M → UTRS
2	$3,738,731,768,458	$3,738,517,757,009.35	$12,799	$706.58	+$3738731.76M → UTRS
3	$65,315,062,866,930,490	$65,311,062,423,938,240.00	$14,527	$832.38	+$65315062866.92M → UTRS
4	$1,066,400,830,062,625,000,000	$1,066,330,942,945,357,500,000.00	$16,527	$982.75	+$1066400830062625.00M → UTRS
5	$16,272,182,796,453,826,000,000,000	$16,271,041,747,565,660,000,000,000.00	$18,846	$1,162.95	+$16272182796453826560.00M → UTRS
6	$232,054,240,113,661,900,000,000,000,000	$232,036,828,878,069,680,000,000,000,000.00	$21,545	$1,379.49	+$2.3205424011366188e+23M → UTRS
7	$3,092,799,066,104,688,500,000,000,000,000,000	$3,092,550,768,067,767,400,000,000,000,000,000.00	$24,694	$1,640.41	+$3.0927990661046884e+27M → UTRS
8	$38,524,105,697,352,694,000,000,000,000,000,000,000	$38,520,796,402,351,967,000,000,000,000,000,000,000.00	$28,378	$1,955.69	+$3.8524105697352695e+31M → UTRS
9	$448,468,826,014,798,700,000,000,000,000,000,000,000,000	$448,427,605,221,702,600,000,000,000,000,000,000,000,000.00	$32,702	$2,337.79	+$4.484688260147987e+35M → UTRS
10	$4,879,226,400,974,806,000,000,000,000,000,000,000,000,000,000	$4,878,746,539,330,970,000,000,000,000,000,000,000,000,000,000.00	$37,794	$2,802.29	+$4.879226400974806e+39M → UTRS

UTRS vs BTI: Complete Analysis 2026

UTRS — Stock

Minerva Surgical, Inc., a commercial-stage medical technology company, develops, manufactures, and commercializes minimally invasive solutions to meet the uterine healthcare needs of women in the United States. The company offers Minerva ES Endometrial Ablation System and Genesys HTA Endometrial Ablation System, which are endometrial ablation devices; Symphion Tissue Removal System, a minimally invasive uterine tissue removal system to combine bladeless tissue resection and coagulation, continuous visualization, and intrauterine pressure monitoring; and Resectr Tissue Resection Device, a handheld surgical instrument to enable the hysteroscopic removal and diagnosis of endometrial polyps. Its devices are utilized by obstetrician-gynecologists in various medical treatment settings, including hospitals, ambulatory surgical centers, and physician offices. The company was incorporated in 2008 and is headquartered in Santa Clara, California.

Full UTRS Calculator →

BTI — Consumer 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.