ACT vs BAC: Which Is the Better Dividend Stock?
As of Oct 24, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 4 of 7 head-to-head metrics. BAC offers the higher yield at 2.53%, BAC has the higher dividend-safety score, and ACT looks like the better value (its fair-value estimate is 36% above its share price).
Key facts: ACT vs BAC
Data as of · Source: SmarterDividends data
- As of Oct 24, 2026, Bank of America Corporation (BAC) has the higher forward dividend yield at 2.53%, versus 2.00% for Enact Holdings, Inc. (ACT).
- As of Oct 24, 2026, SmarterDividends grades ACT's dividend safety A (80/100) and BAC's A (87/100).
- By SmarterDividends' count as of Oct 24, 2026, ACT has raised its dividend for 3 consecutive years and BAC for 12.
- As of Oct 24, 2026, ACT pays out 18% of its earnings as dividends and BAC pays out 26%.
- As of Oct 24, 2026, ACT's fair-value estimate is 36% above its share price and BAC's fair-value estimate is 25% above its share price, so ACT looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "ACT vs BAC: Dividend Yield, Safety & Value Compared," updated Oct 24, 2026, https://smarterdividends.com/compare/act-vs-bac
| Metric | ACT | BAC |
|---|---|---|
| Forward yield | 2.00% | 2.53% |
| Annual dividend | $0.96 | $1.28 |
| Payout ratio | 18% | 26% |
| Years of growth | 3 yr | 12 yr |
| 5-yr dividend growth | — | 8.4% |
| 5-yr total return | 131% | 14% |
| Dividend safety score | 80 (A) | 87 (A) |
| Fair value estimate | $65.18 | $63.43 |
| Upside to fair value | +36% | +25% |
| Frequency | quarterly | quarterly |
| Market cap | $6.6B | $353.6B |
| P/E ratio | 10.1 | 12.1 |
Higher yield
BAC
2.53%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
ACT
+36% upside
ACT vs BAC — FAQ
Is ACT or BAC a better dividend stock?
On the data, BAC wins more head-to-head categories (4 vs 3). BAC offers the higher yield (2.53%), while BAC has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, ACT or BAC?
BAC has the higher forward dividend yield at 2.53%, versus 2.00% for ACT.
Is ACT or BAC safer?
BAC has the higher dividend-safety score (87/100 vs 80/100), reflecting stronger payout coverage and dividend-growth history.
Is ACT or BAC better value right now?
As of Oct 24, 2026, ACT looks like the better value: its fair-value estimate is 36% above its share price (undervalued). For BAC, its fair-value estimate is 25% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.