BAC vs CFG: Which Is the Better Dividend Stock?
As of July 2026, CFG (Citizens Financial Group, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. CFG offers the higher yield at 2.54%, CFG has the higher dividend-safety score, and CFG trades at the larger discount to fair value (+71%).
| Metric | BAC | CFG |
|---|---|---|
| Forward yield | 1.83% | 2.54% |
| Annual dividend | $1.12 | $1.84 |
| Payout ratio | 26% | 39% |
| Years of growth | 12 yr | 1 yr |
| 5-yr dividend growth | 8.4% | 2.0% |
| 5-yr total return | 47% | 65% |
| Dividend safety score | 85 (A) | 89 (A) |
| Fair value estimate | $101.75 | $123.46 |
| Upside to fair value | +66% | +71% |
| Frequency | quarterly | quarterly |
| Market cap | $424.0B | $30.2B |
| P/E ratio | 14.1 | 15.8 |
Higher yield
CFG
2.54%
Safer dividend
CFG
Grade A
Faster growth
BAC
8.4%
Better value
CFG
+71% upside
BAC vs CFG — FAQ
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