BAC vs CFR: Which Is the Better Dividend Stock?
As of Oct 30, 2026, CFR (Cullen/Frost Bankers, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. CFR offers the higher yield at 2.62%, CFR has the higher dividend-safety score, and BAC looks like the better value (its fair-value estimate is 24% above its share price).
Key facts: BAC vs CFR
Data as of · Source: SmarterDividends data
- As of Oct 30, 2026, Cullen/Frost Bankers, Inc. (CFR) has the higher forward dividend yield at 2.62%, versus 2.52% for Bank of America Corporation (BAC).
- As of Oct 30, 2026, SmarterDividends grades BAC's dividend safety A (87/100) and CFR's A (94/100).
- By SmarterDividends' count as of Oct 30, 2026, BAC has raised its dividend for 12 consecutive years and CFR for 31.
- As of Oct 30, 2026, BAC pays out 26% of its earnings as dividends and CFR pays out 38%.
- As of Oct 30, 2026, BAC's fair-value estimate is 24% above its share price and CFR's fair-value estimate is 20% above its share price, so BAC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "BAC vs CFR: Dividend Yield, Safety & Value Compared," updated Oct 30, 2026, https://smarterdividends.com/compare/bac-vs-cfr
| Metric | BAC | CFR |
|---|---|---|
| Forward yield | 2.52% | 2.62% |
| Annual dividend | $1.28 | $4.12 |
| Payout ratio | 26% | 38% |
| Years of growth | 12 yr | 31 yr |
| 5-yr dividend growth | 8.4% | 6.7% |
| 5-yr total return | 14% | 25% |
| Dividend safety score | 87 (A) | 94 (A) |
| Fair value estimate | $63.43 | $190.12 |
| Upside to fair value | +24% | +20% |
| Frequency | quarterly | quarterly |
| Market cap | $354.0B | $9.8B |
| P/E ratio | 12.2 | 14.9 |
Higher yield
CFR
2.62%
Safer dividend
CFR
Grade A
Faster growth
BAC
8.4%
Better value
BAC
+24% upside
BAC vs CFR — FAQ
Is BAC or CFR a better dividend stock?
On the data, CFR wins more head-to-head categories (5 vs 3). CFR offers the higher yield (2.62%), while CFR 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 CFR?
CFR has the higher forward dividend yield at 2.62%, versus 2.52% for BAC.
Is BAC or CFR safer?
CFR has the higher dividend-safety score (94/100 vs 87/100), reflecting stronger payout coverage and dividend-growth history.
Is BAC or CFR better value right now?
As of Oct 30, 2026, BAC looks like the better value: its fair-value estimate is 24% above its share price (undervalued). For CFR, its fair-value estimate is 20% above its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.