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WTFCM vs BTI: Dividend Comparison 2026

WTFCM yields 6.56% · BTI yields 5.38%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 WTFCM wins by $54.56M in total portfolio value
10 years
WTFCM
WTFCM
● Live price
6.56%
Share price
$25.00
Annual div
$1.64
5Y div CAGR
69.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$54.60M
Annual income
$47,311,409.81
Full WTFCM 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 — WTFCM vs BTI

📍 WTFCM 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 PeriodWTFCMBTI
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, WTFCM + BTI cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
WTFCM pays
BTI pays
Both pay
Neither
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Tax Bracket Optimizer

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

WTFCM
Annual income on $10K today (after 15% tax)
$557.60/yr
After 10yr DRIP, annual income (after tax)
$40,214,698.34/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, WTFCM beats the other by $40,212,329.69/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

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

WTFCM: 50%BTI: 50%
100% BTI50/50100% WTFCM
Portfolio after 10yr
$27.32M
Annual income
$23,657,098.23/yr
Blended yield
86.59%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on WTFCM right now

WTFCM
Analyst Ratings
1
Strong
11
Buy
10
Hold
Consensus: Buy
Altman Z
0.3
Piotroski
5/9
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)

WTFCM buys
0
BTI buys
0
No recent congressional trades found for WTFCM or BTI in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricWTFCMBTI
Forward yield6.56%5.38%
Annual dividend / share$1.64$3.15
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR69.4%11.3%
Portfolio after 10y$54.60M$37.7K
Annual income after 10y$47,311,409.81$2,786.64
Total dividends collected$53.99M$14.3K
Payment frequencyquarterlyquarterly
SectorStockConsumer Staples
Analyst consensusBuyBuy

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

YearWTFCM PortfolioWTFCM Income/yrBTI PortfolioBTI Income/yrGap
1← crossover$11,811$1,111.26$11,299$598.92+$512.00WTFCM
2$14,716$2,077.99$12,794$703.91+$1.9KWTFCM
3$19,845$4,098.90$14,518$829.07+$5.3KWTFCM
4$29,985$8,751.02$16,513$978.64+$13.5KWTFCM
5$53,018$20,933.57$18,827$1,157.84+$34.2KWTFCM
6$115,328$58,598.56$21,518$1,373.12+$93.8KWTFCM
7$325,204$201,803.26$24,657$1,632.46+$300.5KWTFCM
8$1,248,876$900,907.53$28,329$1,945.74+$1.22MWTFCM
9$6,813,684$5,477,387.16$32,637$2,325.33+$6.78MWTFCM
10$54,602,052$47,311,409.81$37,708$2,786.64+$54.56MWTFCM

WTFCM vs BTI: Complete Analysis 2026

WTFCMStock

Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages for sale into the secondary market; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services; and other specialty finance services, as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. The company operates 173 banking facilities and 228 ATMs in the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and Florida. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

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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.

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.