BAC vs CFFN: Which Is the Better Dividend Stock?
As of Nov 5, 2026, BAC (Bank of America Corporation) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. CFFN offers the higher yield at 3.87%, BAC has the higher dividend-safety score, and CFFN looks like the better value (its fair-value estimate is 54% above its share price).
Key facts: BAC vs CFFN
Data as of · Source: SmarterDividends data
- As of Nov 5, 2026, Capitol Federal Financial, Inc. (CFFN) has the higher forward dividend yield at 3.87%, versus 2.48% for Bank of America Corporation (BAC).
- As of Nov 5, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and CFFN's B (69/100).
- By SmarterDividends' count as of Nov 5, 2026, BAC has raised its dividend for 12 consecutive years and CFFN for 0.
- As of Nov 5, 2026, BAC pays out 28% of its earnings as dividends and CFFN pays out 52%.
- As of Nov 5, 2026, BAC's fair-value estimate is 25% above its share price and CFFN's fair-value estimate is 54% above its share price, so CFFN looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs CFFN: Dividend Yield, Safety & Value Compared," updated Nov 5, 2026, https://smarterdividends.com/compare/bac-vs-cffn
| Metric | BAC | CFFN |
|---|---|---|
| Forward yield | 2.48% | 3.87% |
| Annual dividend | $1.28 | $0.34 |
| Payout ratio | 28% | 52% |
| Years of growth | 12 yr | 0 yr |
| 5-yr dividend growth | 8.4% | 0.0% |
| 5-yr total return | 12% | -26% |
| Dividend safety score | 87 (A) | 69 (B) |
| Fair value estimate | $63.43 | $13.28 |
| Upside to fair value | +25% | +54% |
| Frequency | quarterly | quarterly |
| Market cap | $349.9B | $1.1B |
| P/E ratio | 12.1 | 12.9 |
Higher yield
CFFN
3.87%
Safer dividend
BAC
Grade A
Faster growth
BAC
8.4%
Better value
CFFN
+54% upside
BAC vs CFFN — FAQ
Is BAC or CFFN a better dividend stock?
On the data, BAC wins more head-to-head categories (6 vs 2). CFFN offers the higher yield (3.87%), 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, BAC or CFFN?
CFFN has the higher forward dividend yield at 3.87%, versus 2.48% for BAC.
Is BAC or CFFN safer?
BAC has the higher dividend-safety score (87/100 vs 69/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or CFFN better value right now?
As of Nov 5, 2026, CFFN looks like the better value: its fair-value estimate is 54% 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.