BAC vs CFFI: Which Is the Better Dividend Stock?
As of September 2026, CFFI (C&F Financial Corporation) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. BAC offers the higher yield at 2.22%, CFFI has the higher dividend-safety score, and CFFI trades at the larger discount to fair value (+120%).
| Metric | BAC | CFFI |
|---|---|---|
| Forward yield | 2.22% | 2.06% |
| Annual dividend | $1.28 | $1.92 |
| Payout ratio | 26% | 21% |
| Years of growth | 12 yr | 1 yr |
| 5-yr dividend growth | 8.4% | 3.9% |
| 5-yr total return | 21% | 83% |
| Dividend safety score | 86 (A) | 89 (A) |
| Fair value estimate | $91.91 | $206.37 |
| Upside to fair value | +59% | +120% |
| Frequency | quarterly | quarterly |
| Market cap | $403.7B | $304.4M |
| P/E ratio | 13.3 | 10.4 |
Higher yield
BAC
2.22%
Safer dividend
CFFI
Grade A
Faster growth
BAC
8.4%
Better value
CFFI
+120% upside
BAC vs CFFI — FAQ
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