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VERF vs BTI: Dividend Comparison 2026

VERF yields 2.96% · BTI yields 5.40%● Live data

vsPost on X →
After 10 years · $10,000 invested · DRIP enabled
🏆 VERF wins by $179.2K in total portfolio value· pulled ahead in Year 3
10 years
VERF
VERF
● Live price
2.96%
Share price
$25.34
Annual div
$0.75
5Y div CAGR
50.2%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$217.0K
Annual income
$101,520.29
Full VERF 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 — VERF vs BTI

📍 VERF pulled ahead of the other in Year 3

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 PeriodVERFBTI
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, VERF + BTI cover 0 of 12 months — good coverage

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

Tax Bracket Optimizer

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

VERF
Annual income on $10K today (after 15% tax)
$251.57/yr
After 10yr DRIP, annual income (after tax)
$86,292.25/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, VERF beats the other by $83,910.30/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

VERF: 50%BTI: 50%
100% BTI50/50100% VERF
Portfolio after 10yr
$127.4K
Annual income
$52,161.29/yr
Blended yield
40.95%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on BTI right now

VERF
No analyst data
Altman Z
0.4
Piotroski
5/9
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)

VERF buys
0
BTI buys
0
No recent congressional trades found for VERF or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricVERFBTI
Forward yield2.96%5.40% ✓
Annual dividend / share$0.75$3.15 ✓
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR50.2% ✓11.3%
Portfolio after 10y$217.0K ✓$37.8K
Annual income after 10y$101,520.29 ✓$2,802.29
Total dividends collected$184.2K ✓$14.4K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples

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

YearVERF PortfolioVERF Income/yrBTI PortfolioBTI Income/yrGap
1$11,145$444.54$11,301$601.08$156.00 → BTI
2$12,620$695.43$12,799$706.58$179.00 → BTI
3← crossover$14,609$1,105.46$14,527$832.38+$82.00 → VERF
4$17,428$1,796.33$16,527$982.75+$901.00 → VERF
5$21,656$3,008.13$18,846$1,162.95+$2.8K → VERF
6$28,419$5,247.06$21,545$1,379.49+$6.9K → VERF
7$40,074$9,665.69$24,694$1,640.41+$15.4K → VERF
8$62,012$19,132.56$28,378$1,955.69+$33.6K → VERF
9$107,912$41,559.52$32,702$2,337.79+$75.2K → VERF
10$216,986$101,520.29$37,794$2,802.29+$179.2K → VERF

VERF vs BTI: Complete Analysis 2026

VERF — Stock

Versailles Financial Corporation operates as the thrift holding company for Versailles Savings and Loan Company that provides financial products and services in Darke and Shelby counties. The company's deposit products include checking accounts, money market accounts, passbook savings accounts, statement savings accounts, time deposits, business accounts, IRAs, and certificates of deposit. It also provides real estate loans, including fixed rate and variable rate, construction/permanent, home improvement, and building lot loans, as well as first time home buyer programs; consumer and personal loans, such as new and used cars and light trucks, motorcycles, watercraft, and recreational vehicles loans; and commercial loans. In addition, the company offers debit cards; and online banking services. Versailles Financial Corporation was founded in 1887 and is based in Versailles, Ohio.

Full VERF 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.