BAC vs C: Which Is the Better Dividend Stock?
As of Nov 5, 2026, BAC and C are closely matched. BAC offers the higher yield at 2.48%, BAC has the higher dividend-safety score, and C looks like the better value (its fair-value estimate is 28% above its share price).
Key facts: BAC vs C
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, Bank of America Corporation (BAC) has the higher forward dividend yield at 2.48%, versus 2.15% for Citigroup Inc. (C).
- As of Nov 5, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and C's A (80/100).
- By SmarterDividends' count as of Nov 5, 2026, BAC has raised its dividend for 12 consecutive years and C for 3.
- As of Nov 5, 2026, BAC pays out 28% of its earnings as dividends and C pays out 26%.
- As of Nov 5, 2026, BAC's fair-value estimate is 25% above its share price and C's fair-value estimate is 28% above its share price, so C looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs C: Dividend Yield, Safety & Value Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/bac-vs-c
| Metric | BAC | C |
|---|---|---|
| Forward yield | 2.48% | 2.15% |
| Annual dividend | $1.28 | $2.68 |
| Payout ratio | 28% | 26% |
| Years of growth | 12 yr | 3 yr |
| 5-yr dividend growth | 8.4% | 2.6% |
| 5-yr total return | 12% | 93% |
| Dividend safety score | 87 (A) | 80 (A) |
| Fair value estimate | $63.43 | $152.63 |
| Upside to fair value | +25% | +28% |
| Frequency | quarterly | quarterly |
| Market cap | $349.9B | $197.5B |
| P/E ratio | 12.1 | 11.6 |
Higher yield
BAC
2.48%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
C
+28% upside
BAC vs C — FAQ
Is BAC or C a better dividend stock?
BAC and C are closely matched. BAC has the higher yield; BAC scores better on safety.
Which has a higher dividend yield, BAC or C?
BAC has the higher forward dividend yield at 2.48%, versus 2.15% for C.
Is BAC or C safer?
BAC has the higher dividend-safety score (87/100 vs 80/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or C better value right now?
As of Nov 5, 2026, C looks like the better value: its fair-value estimate is 28% above its share price (undervalued). For BAC, its fair-value estimate is 25% above its share price.
See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.