BAC vs BCIC: Which Is the Better Dividend Stock?
As of September 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. BCIC offers the higher yield at 15.29%, BAC has the higher dividend-safety score, and BCIC trades at the larger discount to fair value (+174%).
| Metric | BAC | BCIC |
|---|---|---|
| Forward yield | 2.05% | 15.29% |
| Annual dividend | $1.28 | $1.08 |
| Payout ratio | 26% | 761% |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | -3.9% |
| 5-yr total return | 48% | -71% |
| Dividend safety score | 86 (A) | 53 (C) |
| Fair value estimate | $90.46 | $20.08 |
| Upside to fair value | +44% | +174% |
| Frequency | quarterly | monthly |
| Market cap | $438.4B | $88.3M |
| P/E ratio | 14.4 | — |
Higher yield
BCIC
15.29%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
BCIC
+174% upside
BAC vs BCIC — FAQ
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